So my husband pulled it off, he had extra job and we was able to pay rent, insurance, tuition for school and cell phone bill. I am just hoping the days will be good and he will have a lot job and tips. Unfortunately, we do have food benefits., and it feels horrible. Insurance is full coverage, but not from bank. We transferred from our old car. We did try to follow Dave Ramsey method with car, but it back fired. So we took loan on practically new SUV with high percent( almost 8%). My husband just building credit, he never had credit cards, so credit not as good as I wish. But I guess we have to suck it up and deal with it for awhile.
So for this month we still have to pay credit cards, internet, and car. I wish I can use GC from Christmas fund, but they are from stores and I don't shop at the stores until I seriously needed. We have huge stockpile, well it is getting smaller, but probably will last maybe 2-4 month(household items).
So our primary money suckers a bills. And food taken care with food stamps for now.
Unfortunately I did take $77 out of house fund and $1 from emergency fund, but hopefully I will outed back next week, otherwise I keep putting coins in kids jar and I put $2.00 for week #2.
Also while going thru last year finance we realize where we did mistake. We read financial peace book and 1st step was to save $1000 and 2nd step was pay off credit cards. We did that 2 steps and for a moment we fill great, but then things went out control, my husband didn't had enough hours, weather was bad, car breakdown. So emergency fund get drained, and when job didn't picked it up credit cards went in use. I did had to put some of the bills, badly most of them on credit card. So from now on we want save at least $2500 for emergency and only then start paying down cards and the same time adding at least $100 a month to emergency fund until we reach $5000, and only then pay all extra money to credit cards. I am just hoping this plan won't backfire this time.
Update and week #2
January 15th, 2014 at 05:41 am
January 15th, 2014 at 10:51 am 1389783067
I would really look for a job for yourself. Maybe you can swap child care hours with a trusted neighbor, so that you can work outside of the home a few hours a week and bring in a paycheck while your family gets ahead on bills. Obviously I don't know all the details about your situation, but an extra income can really make a difference after a few paychecks, and get you closer to your goals. Good luck!
January 15th, 2014 at 01:27 pm 1389792432
Definitely keep your eyes open for any money making opportunities, ways to save on what you already buy, eliminate wants from your budget, and sell things you no longer need.
You might consider waiting on the house fund, while you add to your EF and pay down debt. You need a solid foundation financially before owning a home.
January 15th, 2014 at 08:23 pm 1389817413
Unfortunately, I don't have anyone who could watch kids or with who I could trade babysitting. I tried appling for multiple places for the night or day when my husband off, but everybody want more flexible hours. We checked the route where I will go to work and we put kids in day care, but then in the end I will bring around $30.00 a month plus I wouldn't see kids all day, and my daughter has medical thing, if something happens to her, I wouldn't forgive myself.
January 16th, 2014 at 06:30 pm 1389897040
January 16th, 2014 at 06:49 pm 1389898167
January 16th, 2014 at 10:20 pm 1389910856