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Getting out of... oh who am I kidding?
May. 12th, 2021 04:22 pmI'm not getting out of debt. I can't get out of debt. I'm stuck in debt and will be for the rest of my life. I'm super frustrated, because I'm working tons of OT, but it's not doing any good, I'm consistently $1-200 short per paycheck. And I know, that means "reduce spending" but I've cut everything as much as I can! I don't know where else to cut!
Now, there are a few things that'll start helping, soon, I hope. Like, the lease on my phone will be up soon, and that'll reduce my phone bill. Care Credit is slowly being paid, but IF we get another chunk of money, that's going toward paying that off. And I know I'm getting a chunk in July, so that'll go toward bills.
But, I don't know what to do... Like, I manage but only barely. And I'm tired of "managing". I want to, actually, ya know, do more than survive.
I make over $19/hour. And I'm barely keeping my head above water.
Now, some of that is my fault. I admit that. I need to pay my credit cards down and get those out of the realm of possibility, because I don't do well with cards. But like, that's okay. I will pay on those, and raise my credit score, and work my ass off. But is a break too much to ask for? Is it?
I just want to go from paycheck to paycheck without worrying about bouncing a payment, or... not having enough of something... or... just being able to sit back and go "Yeah, that video game won't put me in debt".
But I cannot have that and it's pissing me off.
Now, there are a few things that'll start helping, soon, I hope. Like, the lease on my phone will be up soon, and that'll reduce my phone bill. Care Credit is slowly being paid, but IF we get another chunk of money, that's going toward paying that off. And I know I'm getting a chunk in July, so that'll go toward bills.
But, I don't know what to do... Like, I manage but only barely. And I'm tired of "managing". I want to, actually, ya know, do more than survive.
I make over $19/hour. And I'm barely keeping my head above water.
Now, some of that is my fault. I admit that. I need to pay my credit cards down and get those out of the realm of possibility, because I don't do well with cards. But like, that's okay. I will pay on those, and raise my credit score, and work my ass off. But is a break too much to ask for? Is it?
I just want to go from paycheck to paycheck without worrying about bouncing a payment, or... not having enough of something... or... just being able to sit back and go "Yeah, that video game won't put me in debt".
But I cannot have that and it's pissing me off.