Wednesday, May 27, 2009

Back to reality

We were going through our finances and realized its time to tighten up the budget belts again...
I know, I know,,, its the story of my life! Bennie asked yesterday how much was in savings,,,, I've been kinda dreading that question. Not that I'm hiding anything from him, its just he doesn't always realize whats going on with things,,, he just asks for money and assumes its there and every things fine. Don't get me wrong,, we have some money,, just not as much as he thought.

Then he asks me,,, "well, what if I get layed off again?",,,, okay,, now how is that possibly my fault? Or how can I control that? Things just arnt going as planned because of getting the new car, We had planned on not having a car payment, and soon getting the truck payed off, but then WHAM,,,,,,, we are back to 2 car payments again... Plus since I thought we werent going to have car payments I went out and got the Y membership. Now I have ended up with more money going out than I had in the first place!! The truck will be payed off soon though.

I feel like a failure sometimes when it comes to money. He said I should run another ad for babysitting in the paper but,, I really do not like doing that.... Sometimes you get scary people coming to interview you and you never know what they are going to be like, or if you can trust them to pay you... I much rather have word of mouth people. Ugh..... Sometimes I wish I had a fancy degree and could go out and get a really good paying job,,, but then that would mean I would have to leave my babies with someone else and I don't like doing that. I am doing what I always want be doing,, its just not enough income sometimes.

I am going to sit down today and re figure out the budget. See what kinda shape we are in and how long it will take to build back up the savings to where we would like it to be.

4 comments:

Steph B. said...

Amen sister! We were just discussing that very topic over lunch. It seems like our summers just drain us! Not that I don't enjoy everything we do but this year we have the baby (which i am not complaining about and Shell's wedding (again not complaining about) but those added ontop of birthdays, fathers day, camp, etc... it adds up! Oh well, I just keep trying to tell myself we have cars that run, a house over our heads, food on the table, good jobs, our health and that list goes on and on!

JAmb said...

You are not alone Jill with this constant struggle. I'm trying to figure out where money goes...I know...it's going out the door. If you find any tricks to fixing this problem, please let me know. :-)

Jaime said...

Have you had a chance to check out Dave Ramsey's website? I am very impressed with his financial advice and follow a lot of it myself. I am considering using his school curriculum with the girls when they are old enough.
Sorry about the "plug" for him.
Running a babysitting ad would be a bit on the scary side. I'll make sure and recommend you if I hear of anyone looking for a sitter. Although, I don't really know a lot of people, so I might not be very much help. : )

Shannon said...

Life is a roller coaster! It has it's ups and downs doesn't it? We are in the same boat. Hubby's job hasn't had work all this time and now there is work coming but will it make it in time? UGH! The boat is sinking fast!

Be frugal. No more trips to the zoo for a while! :( I can't even remember the last time we went anywhere! Man, that's sad!

Stay positive! That's the most important thing! Keep your spirit up! Hubby was all down this morning and I said...as long as we are all together as a family that's all that matters! :) Having a supportive spouse doesn't hurt either. :D

Have a great day! :)

Hugs!

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