Kirch Posted October 25, 2011 Share Posted October 25, 2011 Two months without a paycheck for subbing (over the summer) combined with dh suddenly struggling to get his hours at work killed our finances, and we still haven't caught up. He finally got the transfer he'd been wanting (less physically demanding job and a better environment), only to find out that we might not be able to handle the pay cut financially. Thankfully, a guy he works with has hired him to help with his moving company, but that might not start until next week and we're in a bind now. The online system we use to check dh's automatic deposit paystubs is down, so we won't know how much his check is until Thursday, so I can't even sit down and figure out what we can and can't pay this time around. DS 7 has been a real challenge over the last couple of weeks. Our washer quit working this afternoon. Both of our cars need maintenance. I'm thankful that dh's parents live nearby so we can use their washer, and I'm incredibly thankful for the second job opportunity for dh, but I'm so tired of turning around and having yet another problem staring us in the face. Sorry to unload, but I just needed somewhere to vent. Prayers would be greatly appreciated. :( Quote Link to comment Share on other sites More sharing options...
kewb Posted October 25, 2011 Share Posted October 25, 2011 I'm sorry. I know how you feel. Quote Link to comment Share on other sites More sharing options...
Birdwinglips Posted October 25, 2011 Share Posted October 25, 2011 IF possible, contact any creditors you have and explain your situation. They may be willing to work with you to delay payments, or make a payment plan you can handle in the short run. So sorry. We were in the same situation last year and it was very scary, frustrating and daunting. HUGS!! Quote Link to comment Share on other sites More sharing options...
Cassy Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: Unload all you like. I'm so sorry things are so tough, you're usually so upbeat - in fact you're still counting your blessings even now, which is pretty wonderful. I'll be thinking of you and sending wishes for renewed prosperity your way, you deserve it. Quote Link to comment Share on other sites More sharing options...
thescrappyhomeschooler Posted October 25, 2011 Share Posted October 25, 2011 I started typing up a bunch of my own complaints, but just wanted to say, I know how you feel. I'm so worn out from struggling with finances and trying to decide exactly what we can and cannot pay out of a paycheck. :grouphug: I hope it starts to get better soon for all the struggling families out there. Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted October 25, 2011 Share Posted October 25, 2011 :grouphug::grouphug::grouphug: Quote Link to comment Share on other sites More sharing options...
JudoMom Posted October 25, 2011 Share Posted October 25, 2011 :grouphug::grouphug::grouphug: Quote Link to comment Share on other sites More sharing options...
skirch Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: Vent away - I know how you feel. :grouphug: Quote Link to comment Share on other sites More sharing options...
Impish Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: Quote Link to comment Share on other sites More sharing options...
elegantlion Posted October 25, 2011 Share Posted October 25, 2011 I understand, I'm sorry. :grouphug::grouphug: Quote Link to comment Share on other sites More sharing options...
BlessedMom Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
Aubrey Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: Quote Link to comment Share on other sites More sharing options...
Carrie-txmama2six Posted October 25, 2011 Share Posted October 25, 2011 :grouphug: Quote Link to comment Share on other sites More sharing options...
Kirch Posted October 26, 2011 Author Share Posted October 26, 2011 Thank you for the kind words and hugs. I'm feeling better this evening. I know we'll work through it. Just ready to be on the other side!! Quote Link to comment Share on other sites More sharing options...
QueenCat Posted October 26, 2011 Share Posted October 26, 2011 :grouphug: You should be able to call the bank to find out the amount of the deposit. Quote Link to comment Share on other sites More sharing options...
Kirch Posted October 26, 2011 Author Share Posted October 26, 2011 :grouphug: You should be able to call the bank to find out the amount of the deposit. Yes, we can find out online on payday. But the online pay stub is usually ready 5 days earlier than that, so we can be working on budgeting/planning early. I'd rather have it now and be working out a battle plan. It's a minor thing in the long run--it's not going to really change anything in our financial situation. It just feels better to be doing something (even just planning) rather than just waiting! Quote Link to comment Share on other sites More sharing options...
HootOwl Posted October 26, 2011 Share Posted October 26, 2011 :grouphug: So sorry you're going through this. We are, too. Quote Link to comment Share on other sites More sharing options...
creekland Posted October 26, 2011 Share Posted October 26, 2011 :grouphug: Vent away. We're there with you. Hopefully the economy will improve soon. In the meantime, it's frustrating - esp when one has to pick which bills to pay or what necessities can be delayed. :grouphug: Quote Link to comment Share on other sites More sharing options...
malbanese Posted October 26, 2011 Share Posted October 26, 2011 So sorry. Prayers and hugs for you! Quote Link to comment Share on other sites More sharing options...
Mommee & Baba Posted October 26, 2011 Share Posted October 26, 2011 (edited) I'm so terribly sorry for all the finanical stress! Not long ago everytime we turned around something was requiring money we just didn't have saved up. Our car needed AC repair which costs us $300+ then our home AC went out and required repair costing $300+ THEN our dishwasher broke and we've yet to replace that altogether. I know how you feel! We're a paycheck to paycheck family. I think most nowadays are in someway that way too. The economy is terrible, jobs are scarce and bills keep coming without any changed due to the economy. Everyone wants their money and things still need repairing. I felt there for awhile I was going to drown in just the stress of the finanical aspect of life. Finally we figured it out and just came to the conclusion that life is expensive and we just have to live with the little earnings we do have leftover each pay period and hang on to it with all we got and not go out and eat every week and not buy things that aren't needs. We coupon shop BIG time and I cook once a month. At first we couponed because it was fun and finding the best savings was exciting, now it's REQUIRED for us. We can't live comfortably without couponing. The once a month cooking was a neat idea at first. I loved the freezer full of food and I loved spending a day cooking...took me back to a place that I imagined happened in the 50's or 60's. Now it's almost something we just HAVE to do in order to NOT get the urge to eat out or use our grocery money unwisely. Life in the past year has drasically changed for our home in the financial aspect. DH still has the same job but the groceries are increasing in price and we're still couponing and shopping the same way. Just to think of the holidays just a couple months ago had me frantic. It's my job as the stay at home parent to figure the finances out, use it to the best, get us the best deals and to all manage it so we CAN pay for something unexpected if it arises. So Christmas lists for me were becomming stressful and now that I've found great deals from the blogs online and have almost all my shopping done I feel so blessed to have been guided to the ways of saving. Girl I feel you! Sorry to ramble about what we're going through. Hopefully you can see we can relate in SOME regard to what you're struggling through. Edited October 26, 2011 by mamaofblessings Quote Link to comment Share on other sites More sharing options...
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