[irmanator]

to disney steves' 2nd post : I got cc because mom said you should have one for emergency. Way back when i thought she knew what she was talking about. lol working on getting rid of them now that i know better.
As far as emergency room visits I go to urgent care and its covered and only 25 co pay kids under 19 no charge. if I went to er it would be 100 no matter the age. knock on wood i don't need it too often.

to Swansen: we don't have childcare, the baby is 14.
I can't consolodate ins. (i think) because property in in escrow with the bank
as far as cash in envelopes, I pay all my bills for the week as soon as direct deposit is in at 5 am with electronic billpay. Then take out the rest for groceries/gas/husband allowance. He gets 40 wk.
if I need something that would be home repair/imp. i take it from groceries. I do my own work on that so would only need supplies. I have food stocked up cause i buy on sale- not crazy amounts but enough that if i have to fix something i don't worry about kids cause their is food.


As far as finding more income, doesnt work so well in this economy. I benifit better by having time to fix my own things and grow my own veggies. I have to run ma around sometimes. Husband is on call at his job for overtime and emergencies. We are thankful that we have seniority at our jobs and flexible vacation time to do dr appts and such. we have better benifits than most places in the area. was shocked when my friend told me what they pay for health ins.

to snafu: I don't buy processed food, we have a breadmaker i bought at a yardsale. and I bake from scratch except cake mix as often as i use them which is 3x a year it cheaper to just get as a loss leader sale. (only for kids bdays)
I always watch the scanner because of your reason and I am not sure I trust my math sometimes. So I load the conveyer belt according to importance so as the total rises I can stop her if it gets too close to what i want to spend that week.

QUOTE=maat55;226633]Write down your expenses in order of most to least important. Cut everything that does not sustain life( cells, eating out, junk foods etc.).

Save up 1000 for ef, then payoff CC's as stated above. Cutting to the bone will get easy when you see quick results. Find extra work, sell stuff. Everything helps.[/quote]

can't get rid of cell because too many ppl in my family are older and sick and I can't sit at my home phone waiting for someone to tell me that we need to be at hospital for someones last minutes. I don't eat junk food unless at someone elses house. Don't eat out.

Sorry about long post I just wanted honest opinions and kept thinking of something else to add or saw someone else to respond to.

fyi only owe about 5000 total on cc, 6000 on student loans, 4200 on car, 9000 on home imp. Not much compared to some but it stresses me out. I am not behind but could easily be.


I may worry too much according to my husband, but I want the debt gone so I can put more into my 401k.