This month, my resolution was to get a budget in place and start using it. I know it seems like it shouldn’t be hard, but I am feeling overwhelmed.
The beginning of the month showed promise. After I posted about my goal, a friend from college sent me an email letting me know her husband would love to help me look at my finances and get a budget in place. I sent him all of my information, and he responded with a step-by-step way to get on track.
My problem? Trying to get on track in the first place. I feel so behind in payments on things, that I can’t even start putting the budget into place.
A few things I was able to accomplish:
-Lowering my cell phone bill. I called Verizon and asked if I could get to a lower plan. It is only $20 less a month, but at least it is cheaper. And on top of that, I actually went to a better plan. I use to have 2 gb data, 450 minutes and unlimited texting. The cheaper plan is same data/text, but with unlimited minutes. And yes, I do feel slightly ripped off I would have never known about this option had I not called.
-Lowered my interest rate on my credit card. It was lowered 3%, which will hopefully help long-term.
-I tried to get on a payment plan or lower my medical bills. As of now, that won’t happen because they are including child support (that I don’t actually get) as income. So that’s cool.
And what I was hoping to accomplish:
-I haven’t figured out how to keep my grocery bill below $50/month.
-I still did not win the powerball, inherit millions or track down a sugar daddy.
I have been pondering getting a second job. Before HJ, I always had 2 jobs. Now I feel like I wouldn’t make enough to pay a sitter. I have been checking out some of those businesses that you have parties for, but I always dislike making people feel obligated to buy. One that I have been looking into is Wild Tree. I like that it is food…which people need to buy, and that it is healthy/organic.
I might be keeping this as an August goal as well, because I still feel like I have lots to do to get on track with everything.