Confessions

JulesET · February 2014

Can we do some confessions? I have a serious one that I need to get off my chest. Between DH and I we have a lot of debt. I mean a lot. Just looking at CC debt we have 35,000. We have a plan to pay off in 5 years but it is going to be really hard. Ok feels good to tell someone and it makes it more real. Okay your turn.......

bumpuser1509193 · February 2014

We have a lot of student loans/ tuition payments and a bunch of cc debt too, not to mention a mortgage. Being a grown up sucks!
I was running late for class this morning, so I threw a sweatshirt over my nursing tank I wore to bed. Good thing I had put jeans on when I got out of bed, THAT would have been embarrassing.

EandIMommy86 · February 2014

My confession: When it comes to cooking, sometimes I will cheat on things like mashed potatoes bc I do not always have the time to make them from scratch. So i will buy ones already made that you can heat up in the microwave. Betty Crocker has good ones. Lol.

snickersforeveryone · February 2014

We only allow ourselves one CC with a max limit of $5000, and my student loans only total about 10,000. Unfortunately most of our stress comes from my medical bills. We easily have over $80,000 we owe various doctors and hospitals, probably closer to 120,000. We're trying to pay them a little at a time, but I may end up filing for bankruptcy.

steelermama86 · February 2014

Being in debt blows. After my first marriage ended I was 34,000 in cc debt between taking care of him and just being stupid in college. I paid it all off myself and nothing felt better. I feel terrible because my husband is paying my student loans off and I have absolutely zero interest to ever teach again. Why in the world did I go as far as getting a masters?

My confession is I have a huge amount of social anxiety and feel as if I am punishing my kids because of it. I am fine going out and about with my husband for instance or when family visits but, dread the thought of taking the kids out alone. The fear of something happening is over whelming and we rarely go out during the week. About the only place I feel semi comfortable is Target and really that is more for me then them. We do play outside and go to the park that is within walking distance but, that about sums it up.

punkyshoester · February 2014

We have about $5,000 in debt. And we decided to lease a car so that we could have a lower payment, which I truly regret.

I thought this was an interesting idea regarding paying off debt, if anyone is interested:

https://www.abowlfulloflemons.net/2011/03/part-4-organize-your-finances-week.html

I think it is easy to feel overwhelmed by it all. Sometimes having a plan of attack helps me think more logically about everything, which makes me feel a little better.

grimesk12 · February 2014

My confession is that we spent a ton of money moving down here to Georgia and were only given about a 1/4 of the cost in relocation money and now we are moving back home once my job contract ends. We are trying to save every penny but know that we will need to take another credit card out to pay for most of the move. I also have about $100k in student loans and one is in forbearance because we can't afford to pay all the loans every month. Our total CC debt right now is about $10k. We had paid off 2 smaller CC bills before we moved but we should used the money for the move bc we ended up putting almost the same amount we paid off on a new CC. I really want a house of our own but I feel like it'll never happen bc of all our debt..

SallySunrise · February 2014

Dave Ramsey's debt snowball has been amazing for us, if anyone is looking for a plan.

My confession is that I haven't showered since Sunday morning, and I've worked out twice since then. (Not super hard core, but still.) I'm going to the gym again this morning, and then I really will shower. I have to. I have an interview tonight!

SallySunrise · February 2014

summergirl1211 said:
@sallysunrise: GL with your interview!!

Thank you!!

zyas · February 2014

My confession is that I haven't worked out in months. Like I don't even remember the last time I did, maybe August or September? Yikes. However I have somehow managed to keep off 20 of the 25 pounds I lost back at the end of the summer. I have been so angry at myself for the 5 pounds I gained back though.

I've been meaning to start exercising again but something always comes up

I need to just do it. I really want to go running outside but obviously can't with all the damn snow we have.

potatoe6 · February 2014

Thank you ladies for posting this, it has really made me feel better about DH and my debts. We are not in too bad of shape, I owe about 15k on my low interest Line of Credit (most of that was car repair, and supporting me after I went back to work after having DD), and under 1k for my car (only 4 more payments left) and DH owes his car about 14K, we have credit cards but they have 0 balances and we have our house. The hard thing has been daycare once my car is paid off we will use that extra money to pay off DHs car (hopefully next year) and then start paying off the Line of Credit, by that time daycare should drop to $400/month. Then we can start talking savings and trips. We have been trying to live on cash for the last 2 months.

Pandril19 · February 2014

zyas said:

My confession is that I haven't worked out in months. Like I don't even remember the last time I did, maybe August or September?

Me either. And yet I've still been paying my $30/month Stroller Strides membership.

pinkangelmoon · February 2014

@MrsKBerlo that sounds awful, poor baby! No flames from me. I didn't change a diaper for almost two weeks when DH was on paternity leave. And I had no such excuse.

My confession: I still haven't gone anywhere alone with the twins, and don't plan to do so anytime soon. Just thinking about it makes me anxious. And there hasn't really been a need. I work during the week, and DH and I are both home on weekends so we go out as a family. The times I go out without him, my sister or my mom are happy to come along with me. I don't even like going out by myself (sans kids) either. Part of it is that I hate driving. I avoid driving as much as possible (not much I can do about the 60 mile daily work commute though).

lkamenko · February 2014

zyas said:

My confession is that I haven't worked out in months.

That's me. I feel so bad about it, but it is always something that comes up and I just can't do it. Same thing with healthy eating - I just can't commit

Boing214 · February 2014

We have the debt problem too, and we are trying to get a hold on it and everytime we're close to it something else happens. We did a consolidation and paid off everything a couple years ago, and then there was a big family vacation that we ended up having to put on CC, so it's all back in addition to the consolidation payment. And now we're buying a house on top of it, and I thought it would be fine but then MH was all morose about it last night with "We won't be able to afford blah blah blah." We will, we just need to cut back on expenses. So not as much beer buddy.

JulesET · February 2014

It helps to know I am not the only one thanks! @jfresh we have been doing minimum payments but would never get out from under it so we have taken a loan against my DHs 401k and will pay off all the CC debt and and the repayment to the 401k will be about 250 less then what we had bee paying on minimum payments. The loan will be paid off in 5 years and we plan to pay off our car early in 2 years by using the left over 250 which the then focus on my student loans. We will continue to save the Same amount we have been.

aylafsu88 · February 2014

@Jfresh We did Dave Ramsey's debt snowball. It worked well and get got rid of all my debt (college and CCs). Basically you save 1,000 as an emergency fund and attack your debt. Pay the minimum on all cards but attack the one you owe the least on first. Pay as much as you can extra to that one to eliminate it. When that debt is gone move on to the next.
https://www.daveramsey.com/article/debt-snowball-breakdown/lifeandmoney_debt/
My confession is that I am bad about saving money. I have a separate account from my H and he would die if he saw the statement. I will spend almost everything I have in my account. Fortunately, my H is a saver and I give him some of my income to put in our savings and for our bills.

sarahandeddiejune212008 · February 2014

We also have major CC debt that we are working on. We have really tightened our budget and are using the snowball plan. Also, any extra money goes to the CCS. We do have some money in savings and we are keeping it there for an emergency. I'm also going to start subbing to bring in a little extra income. I also have student loans, but CCs come first. We also have a mortgage for a house we aren't living in (but we have temporary renters) and our car payment.

I wish we could win the lottery. Our biggest stress is money and it stinks!

grimesk12 · February 2014

We don't have any extra money but our plan once we move back & are both working full time is to have about $500.00-$1k in an emergency/savings fund then pay off all CC debt and start paying on all of my student loans. Also try to save $ for a house...

Oh and we also transfer our CC balances onto 0% cards so that helps..

C&Csmommy · February 2014

I am late to the party but I completely feel everyone on the stress of finances! We are a single income family and it is hard! We currently have 3,000 in CC debt but that will be reduced to $200 next month and we did pay off a $300 CC today! We have our Van, house and a small student loan.

I really wish we would have waited to buy our house but we were so eager to get out of the ghetto that we rushed into it. The $1000 payment each month takes a good chunk of our monthly income and we have $0 in savings! I am sooooo ready to graduate and start working and stop loving paycheck to paycheck! I keep most of our finances from DH just because I don't want him to stress too.

@sarahandeddiejune212008 I wish we could win the lottery not for a huge amount of money but enough to pay off everything and have some in savings!

michaela080 · February 2014

We don't have a lot of credit card debt or student loans, but our cars cost a fortune. DH's is 2 years old with another 3 years of $400/mo. Mine is 3 years old at $300/mo and we owe about $8000 more on it, but we are about to trade it in for a used van, so there's another 5 year loan. I'm hoping I can keep the new payment at $400/mo tops. Not to mention insurance, gas, and license plate payments. At least both cars are 0% interest.

For those who don't clean, I was awful at it as well, but now we have a cleaning lady every 2 weeks for $80 each time. I love it! The bathrooms and floors are always clean, which is what I was the worst at.

Pandril19 · February 2014

We have a monthly cleaning service and I managed to re-work the budget so that we could go every 2 weeks this year. I'm never going to be Ms Suzie Housekeeper and I'd rather stop feeling guilty about it.

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