First I would like to say thank you for all the wonderful comments on my last post. I read each and every one several times, trying to get them to sink into my head. I appreciate them.
Now, some wonderful news, I sold the tablet I listed, and I got what I was asking for it! I had to drive 45 minutes each way to meet the person who bought it at the Verizon store, but I figured the gas was worth it. I have lowered the cell phone bill to around $320 a month. I also sold some of the clothes that were too small for my daughters at Once Upon A Child and made $60. I had several other things for sale on the yard sale pages and sold them also. When all is said and done, we now have $500 towards an emergency fund. Only $500 more to go!
I do admit I have a spending problem. That is how I got into this mess. I am working hard with my therapist however I would love some tips and suggestions on how to stop the madness. I have a this coupon is wonderful I have to go use it syndrome, and a let’s see what is at goodwill today problem. I really have battles that go on inside over this. An example, when I sold the clothes this weekend, I went and spent $30 on more clothes for my girls at goodwill. Now granted, they needed the pants; however it’s still kind of warm here and it could have waited a few weeks. How do I stop?
We now have a full pantry, and each have enough gas to last the rest of the week, and still have $60 left in the bank. In fact, I have enough groceries that I think I will be able to lower the food budget for a few weeks, as I have plenty of meat in the freezer. My husband got some overtime that will be in this week’s check that we think will have along with the overtime, another $100 extra from the quarterly bonus that his employer gives. I earned almost 4 hours of overtime myself last week. I also applied with Amazon at home customer service job. It pays $12 an hour. I have applied with them 3 times before with no luck, I am hoping this time I get hired.
I am also toying around with finishing my college education. I have been going to college on and off now for 25+ years, and have no degree to show for it. I have about 10 classes to completion. I have not committed to it yet, but I have applied for financial aid to see where I stand, and even if I don’t get it, my employer does reimburse for classes. I want to go and finish really bad, but right now, I am stressed with our money situation, and don’t know how I would do with the classes. On the flip side, I work better under stress and deadlines, and with the education I would be considered for higher pay at work. I’m torn.
I also need advice on my Aflac. I am spending $55.14 every two weeks for an accident and cancer policy. I thought about canceling it, however Wren commented on my last post, and made a good point. What if something happens? We have nothing prepared for an emergency and the insurance payments would help. But on the flip side, that $110 a month could help our budget now. What should I do?
I know I can do this, and thanks for your help.