Help?

img_9154Help. It’s such a hard thing to say, harder to accept. It’s hard to even know what you’re asking for or who to ask. I’ve been navigating the world alone for the past two years, fighting depression, debt, lost dreams, lost love, family issues. I don’t want to ask anyone, even if I knew who to ask. I don’t want to depend on anyone. I don’t want to even dare to hope that there is help or that anyone would help. Why should they? Everyone has their own struggle, their own debt and lost dreams, their own responsibilities. I have effectively cut off all my old friends. They don’t have the knowledge or recourses to help me even if they wanted to, which they wouldn’t because I shut them out. I don’t have any close family that can help me and those that could, I can’t ask. I wouldn’t even know what to ask for. I wouldn’t even know how to implement the help or advice because time and money are so ridiculously tight.  I don’t want to be bailed out, I want to EARN my hopes and dreams, not have them handed to me. I feel trapped, strapped down in the bed I made. I’m still struggling to break the bonds though. Trying with every spare moment that my body will let me be productive to plan and THINK my way out. My last post was a list of things we’d need to go off grid. But first I need to get out of debt. It seems hopeless and here is why. This is the list I made about my income to debt:

 

Average income is about $1,700/month

Bills broken down by how much should be paid/month – if they are paid quarterly I divided into how much it would be/month. My husband makes just a little less than I do and he handles the groceries, power, sewer, water, car insurance and upkeep as well as his own credit card bills. Just as a side note, we haven’t charged anything except small vet bills in the last two years at least.

Mortgage – $640

Student loan – $50

Chase – $100

Home Depot – $100

Gas – $180

Property Taxes – $110

HOA – $20

New York Life – $30

Kids Insurance – $25

Cigarettes – $60

Fast food – $100

DoTerra – $60

Make-up – $50

Clothing or other necessities – $100

TOTAL = $1,625

 

Which means I should have about $75 left over every month.

Time to start keeping track of EVERY PENNY!

The FIRST step to independence is getting out of debt so I can start saving for the dream. As it is, it looks like I should be able to put away almost $75 every month, but I’m left with less than $10 at the end of every pay period. I need to know what the heck I’m doing with my money.

I can quit buying DoTerra all together. I can try like hell to at least cut down on the cigarettes. I don’t think I actually spend that much on makeup, but I can’t quit wearing it, cuz the bosses told me I had to. I don’t spend that much on clothes, but the “other necessities’ that I’m not even sure what they are, a kids field trip here, a bottle of wine there, pick up this or that at the store over there… Some of that is late fees too, cuz I can’t freaking keep the fuck up. Paying my mortgage late again this month which brings it up to $674, and I have to turn right around and pay it again out of this paycheck if I want to avoid another late fee. The property taxes will be due again in a month and how I’m going to save $450 by then I just can’t fathom, which means another late fee. I’m drowning and I don’t know how to keep my head above the water. How the hell do people do this? I see all kinds of new cars on the road and ours are on the verge of falling apart, even though we both wake up at the ass crack of dawn and work our asses off at the expense of raising our children. I want out. I hate money and the money sucking machine that robs people of life.

So I’m screaming, whether I want to or not, whether anyone will hear or answer. SOMEONE HELP ME GET OUT PLEASE!!!!!just-start

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