Sharon
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Post by Sharon on Jul 14, 2013 20:23:04 GMT -5
YNAB does have a free 30 day trial. That way you can play around with it and get an idea of the look and feel.
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KaraBoo
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Post by KaraBoo on Jul 14, 2013 20:29:19 GMT -5
Alright - I'm going to try the Microsoft Money Plus Sunset Edition - thanks Pink! Not sure I'm going to totally use it until I get into it, but it's free and I like free! I'm still tweeking around my Excel sheet at the moment, but having a hard time trying to decide how I want to set it up - if there was a paper equivalent, my basket would be full of wadded up balls of paper! If Pink's suggestion doesn't work for me Milizard - I'm going to try your site next. Thank you both for the suggestion! DH got home from work a little while ago - He left at 6am this morning and didn't get home till 6pm. I talked to him just a little about some of the suggestions here. He knows he has to sell the boat, he's just struggling with it....for him, it's like he's losing his best friend. He hasn't had the same time to understand the big picture like I've had. When I told him about Lena's comment about others maybe suggesting divorcing him over this - he had the funniest look on his face. He said, "Why would we divorce over this? We're both responsible for these mistakes and getting through this challenge will just make our marriage stronger." He's a good guy - even if it doesn't come across that way through my posts.
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mmhmm
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Post by mmhmm on Jul 15, 2013 1:05:35 GMT -5
He sounds like a good guy, KaraBoo. I think folks can be good people and still not be money-wise. I think people can be good people and, sometimes, be sorta selfish and thoughtless of others. They're just not thinking about it in the right way. Doesn't mean they're bad people!
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tallguy
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Post by tallguy on Jul 15, 2013 1:56:03 GMT -5
I'm glad you said that, because up until then, if I knew you two personally (and had knowledge of your situation) I'd have been very willing to kick his ass.
Of course, I would have been much more impressed if he had taken his REAL share of the responsibility instead of just offering to share it with you....
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jul 15, 2013 2:19:08 GMT -5
I agree, Tenn. KaraBoo's DH is very willing to "share" the blame for their financial situation without taking responsibility for his frivolous purchases and toys being one of the major causes - but she's at least made a very conscious and concerted effort to sort it out and try to figure out a way to make it get fixed somehow - whereas he's got a Scarlett O'Hara "Fiddley-Dee - Tomorrow's Another Day" attitude about it - like it'll all just fix itself. My DH was the same way.
And it didn't work.
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tallguy
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Post by tallguy on Jul 15, 2013 2:26:06 GMT -5
After all that we've meant to each other, and you don't even remember my name....
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jul 15, 2013 2:28:33 GMT -5
Oops - sorry TG - I was caught up in the moment and didn't pay close enough attention to who was posting. Am I forgiven??
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tallguy
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Post by tallguy on Jul 15, 2013 2:41:09 GMT -5
Well I suppose. But don't let it happen again, I'm very sensitive.... (No, not really. I don't care.)
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Pants
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Post by Pants on Jul 15, 2013 8:10:27 GMT -5
Kara - I definitely recommend you put together an actual budget in order of your priorities. What you started above was great, mortgage, food, gas, etc., but you also need to go all the way down the list and put your occassional expenses including car maintenance, home maintenance, clothing, gifts, then add in the boat, the cc payments, etc. and see how how far you are in the hole. Good luck.
(Also, looking at your priorities, I would put food above the house. If it came to losing your house or buying food for your kids, I hope you would choose food - you can survive a lot longer without a house.)
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Deleted
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Post by Deleted on Jul 15, 2013 8:30:03 GMT -5
I don't have any advice for you, but just wanted you to know that we'll be in your computer cheering for you all the way!
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Deleted
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Post by Deleted on Jul 15, 2013 8:56:55 GMT -5
Back to all the different accounts.... I'm just one person and I have 2 checking accounts and 2 savings accounts. I acknowledged I had a discipline problem and seperated my money. One checking account, I have a set amount of money deducted from my paycheck to cover my household bills. Mortgage, utitlities, cable, internet and phone bills. I don't think about that account until it's time to pay bills. The money is always there because I calculated the paycheck deductions to make it work. My other checking account is for my spending. Gas, food, clothes, fun, whatever. Because I know that I have a problem just letting money sit, this is the only money that exists in my head, the only money I get to work with. I can spend every penny in that account and it doesn't affect my savings or my ability to pay my bills. What's left of my paycheck after the automatic deductions goes into that account. One savings account is my EF. It took me some time to accurately define an emergency, but I got better. I don't have an ATM card or online banking set up for this account. That's another paycheck deduction. The other savings account is for irregular expenses. I save for travel, vehicle maintenance and insurance, home repairs and mainance, etc in there. I added up how much I spend/want to spend annually on these things, divided it by 26 (paychecks) and set up an automatic transfer from my spending account every payday. It takes 3 days to get the money to spend it, so I can't spend it on a whim. It may sound complicated, but the only work was calculating it all and setting up the automatic deductions and transfer. Once I set it all up, it stayed on autopilot and the only account I deal with on a daily basis is the spending account. I don't have to constantly switch money around because everything automatically goes where it needs to be. All that to say, I don't think multiple accounts are necessarily a bad thing, depending on why you have them and how you use them. Also, while you work this all out, try to figure out your weaknesses when it comes to handling money. My biggest ones are champagne taste on a beer budget, impatience and a lack of discipline. A recipe for failure! I had to figure out how to work around all that and get out of my own way. I'm rooting for you and your husband while you work all this out.
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Deleted
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Post by Deleted on Jul 15, 2013 10:06:14 GMT -5
I only looked over the first page of suggestions. I'm sure that there are a lot of them but I'll try to just say my general thoughts. First off we make a little more than you do. Yet just your boat bill equals more than everything we owe in the world. Part of the reason for that is our stage of life (we are older). But a big part of it is that you seem to be trying to live "the good life" where you buy what you want, when you want it. You seem to LOVE monthly payments (& paying interest). Trying to live the good life, buying what you want when you want, & then paying interest on everything has gotten you where you are.
Yes the boat was a killer but I'll disagree that it's really THE problem. It's a symptom of the real problem with is overspending (you were living on the edge before you bought the boat). Once you get yourself in the position that your in each month you dig yourself in a little more because your losing ground. With the kids it would probably be hard for part time job so I would focus on cutting down as much as possible across the board. It's easy to say that getting rid of the boat will solve things but that may not happen. You need to focus on the things that you can for sure change.
I'd do a family meeting & discuss where your at, how you got there, & coming up with a plan to get things under control (this could be a learning thing for the kids). STOP using credit for a while & after things are under control only use ONE credit card. Adapt to the idea "I'll never buy today what I can put off till tomorrow". Have those family meeting at least once a month for a couple of years.
Sorry but the whole "bank said that we can afford the boat thing" doesn't work. Nor does the husband needs one relaxing thing. You can fish for a couple of bucks a month. (cane pole, dig worms). The boat isn't fishing, the boat is an extreme toy. BOTH you & your husband should have seen that there was a problem even before you bought the boat. As for the bank, if they had said that it was ok to jump off a 12 story building, would it have been OK? It's their responsibility to make money, not to worry about your budget. Never listen to what they say.
Raise some cash. Garage sale or whatever & pay off something. Every "something" that you pay off is a little more you have to pay bills with. Small steps for a long time will get you where you want to be.
Lastly in those family meeting discuss what a want is & what a need is. Cut down on every want that you can even if it's painful.
Good Luck!
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Deleted
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Post by Deleted on Jul 15, 2013 10:12:25 GMT -5
Just some general rules that we try to live by & have done so since we have been married. (they prevent us from digging ourselves in a hole).
1. We don't like to make a bunch of different payments. We use 1 credit card (for example). Makes it easy to see that your getting in trouble.
2. We don't like to have more than a couple of large loans. For instance a house & a car loan would prevent us from taking on another loan. Plus we pay extra on those loans to get them paid off.
3. We don't like to pay interest. I've know people that pay between 10 & 20 percent of their total income on interest. Those people are always behind the power curve because they are spenders. If you limit the interest that your paying you will also limit your spending.
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resolution
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Post by resolution on Jul 15, 2013 10:59:44 GMT -5
Have you looked into some credit counseling through the NFCC? Perhaps hearing it from an impartial third party might help your husband buy in to what needs to be done. It doesn't sound like he is buying into anything right now, and even a bankruptcy won't really help you if the underlying problem still exists to repeat itself.
My recommendations would be: - credit counseling - sell the boat - stop eating out - refi the house to a longer term if the boat sale lowers your debt enough for you to qualify - try a debt consolidation if it would bring your budget into balance - bankrupt if the other steps aren't enough
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KaraBoo
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Post by KaraBoo on Jul 15, 2013 20:43:00 GMT -5
I really appreciate everyone's help, encouragement and tough love - you guys are the best! Don't worry guys - as much as I love DH, there are still days I want to just strangle him - that's normal...right? We've stopped eating out a few weeks ago (it's been at least 3 weeks - I'm pretty sure longer). I know - I know - too little too late, but it's a start. It's going to be a long, slow painful haul, but we'll do it.
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KaraBoo
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Post by KaraBoo on Jul 19, 2013 11:06:32 GMT -5
Just a quick update. I've redone an actual budget in excel and almost have it ready to post. I'm at an appointment now, but will have time later this evening to share.
I've thought a lot about this thread over the week, trying to figure out at what point things got so bad. I have an idea, but will expand on that more later tonight. Shocker, it wasn't one thing that got us to this point, but a series of choices.
A piece of good news! DH was offered a new job yesterday making $1.50 more an hour than he's making right now. Not enough to save his boat, but nothing to sneeze at either.
A piece of "eh" news. I'm totally going to YM hell. I finally broke done and actually purchased my first app (all the others have been free until this point). I'm able to get on Proboards from my phone. Probably shouldn't have done that..... Like I said...."eh"!
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The Captain
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Post by The Captain on Jul 19, 2013 11:08:39 GMT -5
for taking the first step!
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Post by Deleted on Jul 19, 2013 11:25:22 GMT -5
I've thought a lot about this thread over the week, trying to figure out at what point things got so bad. I have an idea, but will expand on that more later tonight. Shocker, it wasn't one thing that got us to this point, but a series of choices. Karaboo I have only known maybe 2 people in my life that made 99% of their choices right & then the 1% wrong just killed them. Usually what hurts is a bunch of little choices. One of the worst things that I have ever heard someone say is "Yes I can afford it because I can make the payment". Not only do payments generally come with interest but they obligate you to future money that you haven't earned yet. Don't get me wrong, I don't mind buying something "special" knowing that it's going to take me a couple of months to pay off. I just hate long term payments because you can't predict what is going to happen long term. Just to show that we all do dumb things, next week could be bad for us. I wandered onto an auction that has 6 or so items that we will probably be bidding on. If they go cheap I could see us spending $10,000, totally unplanned. It happens one way or another to all of us.
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973beachbum
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Post by 973beachbum on Jul 19, 2013 11:57:17 GMT -5
Kara I hope your budget helps you. I know the stress of this is probably giving you an ulcer. This may have been said, but have you ever laid out all the bills and asked him how to pay them all with the money coming in? And I mean all of them. I would put in at least $400 for food and $50 a month for clothes. At that you would probably have to eat almost nothing but rice and beans and only shop at the Salvation Army thrift store but at least they will be on the budget. Right now he most basic needs are completely ignored while the boat and cell phones get top billing. your DH sounds like an optimist. If he just says it will work out I would sell some old broken jewelry or mateless earrings, or even recycle soda cans if I had to, and get a few hundred cash to pay a lawyer/fin planner, BK specialist, to go over the budget with both of you. I know it sounds passive agressive but being nice and straight forward hasn't seemed to work so far. And this way it would give you a totally disinterested third party to say the things that we all ignore if it comes from our loved ones. I don't know if it would work but I hope something does!
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Deleted
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Post by Deleted on Jul 19, 2013 15:42:42 GMT -5
Don't worry guys - as much as I love DH, there are still days I want to just strangle him - that's normal...right? Oddly it think it is mostly normal. People are different. My wife is a bit of a spender but she has a mental limit of $100. When I say that I really mean it because she has a HARD time spending over 100 bucks. It just seems to be unnatural for her to spend that much & goes against her grain. On the other hand it doesn't bother her at all to spend $75 every day on nothing. I am the opposite in that I don't carry money & other than buying water every week (for home use in 3 & 5 gal jugs) I just don't spend much cash. About every 2 to 4 years I buy a new computer & that's mostly it. My on the other hand is that I don't care about money in that if I really want something I buy it (usually that day). I just want very little. I was the one to say "We are buying this house" because my wife would have never been able to force herself to spend that much money on her own (it only took me a couple of hours). The big fact of life here is that we are all different & married couples can use that to their advantage. Your husband is a fishing nut, ok, your not. That means that you should level him out of fishing stuff so that he doesn't go hog wild. I'm sure that your a nut about something (we all are ) & he should be there to level you out on whatever you love. Sometimes we all have to have others around to try to make us keep our feet on the ground & in a good marriage your spouse should be that person that grounds you. That doesn't just apply to money but also things that come up in life. I can't even come close to the number of times my wife has calmed me down on something before I lost my temper (& ended up in jail or something).
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kittensaver
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Post by kittensaver on Jul 19, 2013 16:38:48 GMT -5
Has anyone else noticed that the boat is almost as much as the mortgage?
Kara, you might try pointing this out to DH. Ask him if that really makes sense at all (financially).
Yeah I know the boat is emotional/therapy/his "thing," but still . . .
ETA: I also agree with others who say consider talking to credit counseling service and getting help reducing or consolidating your CC payments.
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tskeeter
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Post by tskeeter on Jul 19, 2013 17:45:45 GMT -5
the boat, the boat, the boat. And the internet. The $826 a month will cover the credit cards.
For the $775 a month the boat and insurance are costing (to say nothing of the cost to fuel the boat, registration fees, ramp fees and other boating costs), DH could be seeing a shrink for therapy. It would be cheaper. For fishing and me therapy time, shore fishing works works just as well at a much lower cost.
What follows isn't meant to be mean. You're in a tough place. Maybe this will reinforce your perspective and give you some approaches for discussing the boat with your DH.
If DH's list of priorities have you and the kids at the top, he'd accept the boat was a mistake and get rid of it. It's obviously digging you guys even deeper into a very large hole. You're already in the hole $32K for credit card debt. And nearly 22% of the credit card debt is at Bass Pro Shops. I'm betting that wasn't money spent on you and the rest of the family.
Do you realize that your DH's fishing bills add up to 35% of everything you guys owe? And that they are more than double the income he brings home in a year? Even for borrowing money to prepare for a career, the recommended limit is one times the annual salary for the job you will get when you graduate. And education loans are an investment in decades of income. This is twice as much money and it is unlikely to ever generate any income. Only more bills. Cripes, this is money spent on playing.
It would be one thing if you guys had buckets of money. But you're talking about not having money to buy clothes for the kids. In that context, the boat is a selfish self indulgence. And, the fishing as therapy argument is, in my opinion, pure BS.
If your DH insists that he needs to keep the boat, I think he needs to go out and get himself a second job that will pay all of the boat bills. Because, as it sits today, the boat is taking food out of the mouths and clothes off the backs of the rest of the family.
If DH won't part with the boat, and won't get a job to support the boat, I suggest you might want to re-evaluate your commitment to each other. Because you're going to spend the rest of your life trying to pay the bills he is running up. As long as you're dealing with it, struggling to pay the bills will never be a problem for him. Are you up for that? (I know you're not my favorite SIL, but considering what your DH spends on fishing, and the financial challenges it creates, you could be. Hugs to you!)
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mrsdutt
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Post by mrsdutt on Jul 19, 2013 17:52:46 GMT -5
I have read most of your posts KARA and can tell you what would benefit your family the most. But first let me ask a couple of things.
1. Does DH realize 3 of those 4 children are his? 2. Does he realize the boat is only a few thousand dollars less than your mortgage? I would guess the house is yours and you did a fine job paying it off before DH entered the picture. 3. Does he realize fishing can be done off shore or piers? Fishing is fine, but the boat is a 'sinker'. Does he take his kids when he goes? Or do you take care of them while he's 'getting away' for his 'therapy' 4. It's a possibility that your illnesses are related to the stress his 'therapy' has put you under.
With those things said, for your health - in a quick amount of time, go see a lawyer. File BK and get these monkeys off your back. Then in no way ever let DH near the money. If he wants spending money he can get a second job. Maybe at a fishing pier.
No one can take your house.
PS: I want you to know I have lots to say, but I won't. I'm spitting bullets right now because someone who is suppose to love you, loves himself more. If it makes you feel good, image a few swear words right here. Lots of them)
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KaraBoo
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Post by KaraBoo on Jul 19, 2013 19:23:52 GMT -5
Okay - I only have a few minutes right now, but I promise I'll be back later tonight for more details (if I don't get to them all right now).
Credit counseling is not off the table, but based on the things that have happened in the last week, DH gets it. He's talked to the fishing club he's in and they're going to post his boat for sale in their monthly newsletter (they're all fanatics like he is and a very targeted audience). He's also scrubbing the boat down this weekend (it's been raining all week) to take shiny pictures to post it for sale on another forum dedicated to fishing (like this one is to money). He's also worked somewhere around 20 hours over time this week (12 hrs on Sunday, plus 2 nights where he worked at night, plus his day job).
So....it's not sold yesterday, but it is "in process". For me, that's at least progress. Now - if he starts dragging his feet, or I'm not actually seeing anything posted for sale (I'm not going to just take his word for it - I want to see it in black/white dammit!), then we'll have issues.
Something to know/remember with DH - he has two speeds - slow and slower. If I push him to go faster, he just slows down even more, so I have to balance his pace with mine (which can be Speedy Gonzales fast).
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KaraBoo
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Post by KaraBoo on Jul 19, 2013 19:35:28 GMT -5
Skeeter - not that this matters (too much), but the Bass Pro CC is named that in my budget, but the majority of the items on that CC were actually family related. DH got it so that he could get the rewards points to spend on fishing items instead of airline mileage or other gimmicks. In fact - most of the CC's have been used for running our household in some form or fashion over the last 2 years or so (not only for the kids, but home improvements/remodels, etc). I suggest you might want to re-evaluate your commitment to each other. Because you're going to spend the rest of your life trying to pay the bills he is running up. As long as you're dealing with it, struggling to pay the bills will never be a problem for him. Are you up for that? (I know you're not my favorite SIL, but considering what your DH spends on fishing, and the financial challenges it creates, you could be. Hugs to you!)
Thanks for the hugs! I'll take all I can get! I had to laugh for a moment, because I thought you were saying I was your SIL - I was like.....wait?.....what?.....I don't have a sister to have a BIL! I'm not afraid to walk away from the marriage if I need to - I've done it once before....but this marriage isn't to that point yet. Far from it.
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KaraBoo
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Post by KaraBoo on Jul 19, 2013 19:47:59 GMT -5
I have read most of your posts KARA and can tell you what would benefit your family the most. But first let me ask a couple of things. 1. Does DH realize 3 of those 4 children are his? 2. Does he realize the boat is only a few thousand dollars less than your mortgage? I would guess the house is yours and you did a fine job paying it off before DH entered the picture. 3. Does he realize fishing can be done off shore or piers? Fishing is fine, but the boat is a 'sinker'. Does he take his kids when he goes? Or do you take care of them while he's 'getting away' for his 'therapy' 4. It's a possibility that your illnesses are related to the stress his 'therapy' has put you under. With those things said, for your health - in a quick amount of time, go see a lawyer. File BK and get these monkeys off your back. Then in no way ever let DH near the money. If he wants spending money he can get a second job. Maybe at a fishing pier. No one can take your house. PS: I want you to know I have lots to say, but I won't. I'm spitting bullets right now because someone who is suppose to love you, loves himself more. If it makes you feel good, image a few swear words right here. Lots of them) Mrs Dutt - since you had a list of questions, I figured I'd answer them as best I can: 1. Yes, he knows 3 of the kids are his. And is active in their lives (as much as teenagers will allow him to be). 2. Yes, he knows this as well. While the house was originally bought in my name only, we moved into it together from day one and everything involving the house we've done together. This is one area we've done "right" as far as money goes. We've been in the house since 2002 and only have around 7-8 years left of payments. A few years ago, we refinanced to a lower rate (around 4%) and a lower term (10 years). Our payments stayed the same. The irony - if we were able to keep the boat and continue making payments as scheduled - the house would be paid off before the boat note (yes, I know! Stupid stupid stupid!). 3. Yes, he knows about fishing off the shore - that's what he was doing before we met. In fact, his ex-wife's biggest complaint about their marriage is that he worked and fished all the time. I'm not complaining about it - we just went way overboard from what we SHOULD have done with this boat. He took the kids fishing when they were younger, or we all went together, but now that they're teenagers, they have no interest in going with him. Since I have no interest in fishing either, staying home with them as teenagers isn't an issue for me - they're self-sufficient for the most part. 4. I'm beginning to believe my health issues are a combination of a lot of different things - stress included (they still have no idea what my stomach pain is - all of the tests have come back negative - and I've had a LOT of tests!). The stress is from a LOT of various sources - bills included. To say bills and his fishing are the only source would be dishonest.
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
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Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jul 19, 2013 20:13:43 GMT -5
There's another red flag in your budget/financial problems right there. He applied for and got yet another CC (this Bass Pro one) when you already had one (or two or three already) just so he could get the rewards points for fishing gear/toys for his hobby. Which meant he would use that card to charge more purchase on more toys just to get the points to spend again. See where this is going? Vicious cycle. It's like a juggling act. He needs to get rid of the boat (and trailer which I assume he has as well). The boat is taking priority over the house, the family, the kids, your food budget, etc.
He can go fishing on his buddies' boats - or fish from shore/dock/pier. It's unfair that the rest of the family (and the rest of your built-up debts) have to suffer because he wants to play on the weekend. My late DH had his frivolous addiction(s) to0 - one of them being vehicles - and they ate us out of house and home - literally. I'd hate to see you end up in the same boat (no pun intended).
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KaraBoo
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Post by KaraBoo on Jul 19, 2013 23:20:17 GMT -5
Crap.... I just lost my post with the budget and explanation of everything. Let me try this again. I've got a busy weekend ahead, so I might not get back to this until tomorrow evening. Feel free to let me know what needs to be adjusted. Month DH's check Karaboo's check Total
Emergency DH Karaboo Kids Savings
Food
Gas - Cars
Mortgage
Insurance
Water Bill
Gas - House
Electric
AT&T
Internet
Clothing
Vehicle Maintenance
Bills WF/Line of Credit Owe Balance of checking acct WF/Personal Loan
Boat/EECU
Insurance/Boat
Credit Card/Sears
Credit Card/Kohl's
Credit Card/Bass Pro
Credit Card/GM
Credit Card/Lowe's
Credit Card/Chase
Credit Card/Home Depot
Credit Card/Jared's
Medical/Lab Corp 1
Medical/Lab Corp 2
Medical/Lab Corp 3
Medical/Cook Children's
Medical/TRA
Medical/Emergicare
Medical/Hospital
Total
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Jul-13 2,482.06 1,805.55 4,287.61
100.00 100.00 100.00 100.00 400.00 3,887.61
800.00 3,087.61 400.00 2,687.61 852.00 1,835.61 230.00 1,605.61 225.00 1,380.61 37.00 1,343.61 300.00 1,043.61 274.00 769.61 53.00 716.61 100.00 616.61 100.00 516.61
9,961.21 174.00 -354.62 14,573.28 463.31 -817.93 43,226.86 632.23 -115.62 142.00 65.00 -180.62 10,956.88 161.55 -979.48 773.86 25.00 -1,004.48 7,448.81 217.00 -1,221.48 440.00 50.00
4,212.63 285.00
7,736.73 379.00
135.51 25.00 -1,246.48 1,600.92 220.00
3.70 3.70 -1,250.18 4.72 4.72 -1,254.90 44.96 0.00
20.00 20.00 -1,274.90 36.94 0.00
38.86 0.00
1,181.50 0.00
-1,274.90
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Aug-13 2,488.45 2,071.72 4,560.17
100.00 50.00 50.00 100.00 300.00 4,260.17
800.00 3,460.17 400.00 3,060.17 852.00 2,208.17 230.00 1,978.17 224.45 1,753.72 36.37 1,717.35 350.00 1,367.35 250.00 1,117.35 52.06 1,065.29 100.00 965.29 100.00 865.29
0.00
0.00
0.00
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KaraBoo
Senior Member
Joined: Dec 21, 2010 17:14:51 GMT -5
Posts: 3,076
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Post by KaraBoo on Jul 19, 2013 23:28:43 GMT -5
Okay - I tried so hard to line those numbers up correctly for it to be easier to read. <sigh> It is much prettier in my spreadsheet. Yes, I know phones and internet are not "priorities", right now, but just to be honest, they're not going anywhere. For now. That may change in the future, but for now, they're not going anywhere.
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Apple
Junior Associate
Always travel with a sense of humor
Joined: Dec 17, 2010 15:51:04 GMT -5
Posts: 9,938
Mini-Profile Name Color: dc0e29
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Post by Apple on Jul 19, 2013 23:46:04 GMT -5
I *REALLY* hate to make anything look worse, but there are some items not added to the negative total, the GM, Lowe's, Chase and Jared's payments. Is there a reason for that? When you do include them, they make the negative even bigger.
I hope the boat sells quickly, that is going to be the biggest jump start to paying things off. Congratulations on DH's new job too, hopefully that will help make a dent as long as it doesn't bring any new expenses.
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