Posted in budget, Debt management, finances, Payday

Bill is past due

Have you ever had a bill to pay and you plan for it, payday is coming, the bill is due that day so you’re prepared for it, then all of a sudden it’s two days after the due date and now your bill looks impossible?

That’s where I’m sitting at this very moment. Normally I split my car note in half and pay half each paycheck (I get paid every mother week). So normally, that works out just fine. But for some reason I put it off last week and the note was due last Tuesday. 

Today when I look at my bill it’s already scheduled for next months payment and whatever I was supposed to pay last week and the late fee have been included. Hmmm, yay. So unnecessary fees again. Great, way to start the second half of the year that I told myself in on a budget. Seriously? 

Wait, there’s 2 more paydays before the bills is due. I should break it into thirds. That will give me more to split for other bills, right? And still make it? Hmmm, there’s got to be a better way to arrange my finances. Why is it all so confusing?

Now that I’ve gotten that figured out, let me go back to that payment and reconfigure! Y’all are wonderful, thank you for helping me get through that. I was in a small panic there!

As you were 😉

Posted in budget, Debt management, finances, Payday

My bank is broken

My 6-year old often refers to my bank as “broken”. It’s his interpretation for “Mommy’s broke and can’t afford to buy toys.” He started saying it when he was around 2 or 3 and still says it occasionally. 

I may have just gotten paid on Friday, but it seems I have not budgeted for anything this paycheck. I have a notice that the oral surgeon I went to last year to pull a wisdom tooth will seek collections if I don’t pay within 10-days. I have all my bills I still need to pay on top of it all, plus gas and food. 

Maybe starting to pay off school loans was premature? I had to start at some point and I thought it was good timing. Now, I’m not so sure. I cannot forget my credit card payments and vehicle lease I need to pay as well.

It really stinks when your expenses outweigh your income. How did this all happen and how do I get myself out of this cistern I dug myself into? The Old Testament mentions cisterns, I hear that it was used to store water, like a reservoir. But when it’s dry, it’s difficult to pull oneself out of it. It’s what Joseph’s brothers threw Joseph into before selling their dear brother to the Egyptians. 

My cistern bank account is dry. It’s hard to pull myself out of it. I am in need of some rain or someone to fill it to get myself out. While I attempt to do this on my own, I do hope you will stick with me! All the accountability and suggestions and uplifting comments are welcome. I dug myself into this and I will dig myself out.