by Hope
Things are bad around here. I’m starting to get shut off notices from utilities and so on. I found myself Googling things like:
What jobs pay $200,000 per year
How far behind can I get on my mortgage before they foreclose
How far behind can I get on a car payment before they repossess
And I’ve been multiple places, jewelers that buy jewelry and pawn shops, trying to sell my “blood diamonds”. That’s what I call all the really expensive gold/diamond jewelry that my ex-husband would give me whenever he hit me as an apology. Evidently jewelry is not worth anything. So I still have it all. (I’ve sold all the “just gold” in the past when things were tight. But I hate to just give this jewelry away. I have the receipts, I know what was paid for it. Any suggestions for selling diamond jewelry but not giving it away? (I do have it all listed on Facebook Marketplace.)
I actually felt a little better after my night of Googling because I think I have at least through the holidays. With this paycheck I’m catching up enough on utilities to not get them shut off before Thanksgiving.
My Question
Here’s my question. Is it better to pay a little on a lot of bills or pay a lot on a single bill?
I’ve just been flying by the seat of my pants in what I pay. Prioritizing those that are about to get shut off or cut off or…you know what I mean. Thank God, that’s been enough to keep anything from getting shut off up until now.
But the reality is my car insurance bill is more than 1/2 my take home pay right now. And that doesn’t leave enough for my mortgage, utilities, food, etc. Then don’t get me started on minimum debt payments.
So my question is…
Do I pay a little on a lot of things and hope they will see that as effort? Or do I just pay a lot on the big things?
Any way you look at it, if I don’t start getting some serious cash flow coming in, January will be full of hard decisions.
Update on FreeCash.com<-link to my review on making money on Free Cash
I mentioned that I expected to have made about $75 for some the of the challenges I completed during my first hour on Free Cash but that it could take them 10 days to verify completion. Well, that $75 did hit my Free Cash account and I officially made $77.66 my first hour on that site.
Now I don’t know if that is something I can maintain as it has been challenging to find Offers/Surveys on the site that I qualify for or that I will do. Many of them require you to play games to a certain level. And I haven’t tried those yet because gaming is not really my thing and trying to get to Level ???, well, I’m not sure how long that could take.
But I am trying out some other recommended survey sites, etc. at night and will be posting some additional reviews and earnings over the next month.

Hope is a resourceful, solutions-driven online business manager with over two decades of experience helping clients streamline operations, manage projects, and grow their businesses through digital marketing and technology.
But life has a way of rewriting your plans.
A year ago, Hope made the decision to move in with her aging parents full time – a season she wouldn’t trade, even as it came with its own financial and emotional weight. Earlier this year, she lost her mother, and is now walking the tender, disorienting path of grief while learning what “forward” looks like from here.
Hope came to the Blogging Away Debt community in 2015 as a single mom raising five foster and adoptive children. She’s written through job changes, financial setbacks, and the bittersweet transition to an empty nest. Her kids are finding their footing in the world now – and so is she.
Rooted in faith and fueled by the same perseverance she’s brought to every hard season, Hope is ready to face her finances with fresh eyes and an honest pen. She believes that clarity, courage, and community can change the trajectory of anyone’s story including her own.
She lives in Austin, TX with her dad, loves adventures with her dog Addie, and is figuring out, one step at a time, what this next chapter is meant to be.
