Well now that I listed most of my big bills from the year and I have yet to go out and find a washer, I am in a funk over how to set up the debt repayment budget for the new year. I think part of my problem with indecisiveness is that I make these goals and then *WHAM* they are shattered by a large expense. Remember in early November I had three $800.00 bills out of no where. Yes I paid them but there went the $3500.00 I was to pay to debt. I should have had the last CC paid off last month. I am not going to be able to pay it off this month either.
I feel like a big old failure. But I have not incurred any new debt with my large bills except for the car. I called and talked to daughter last night and she thinks that I try too hard and then I don't have enough money to live on and I go backwards. Redoing the bedroom cost about $2400.00. I did not flood the basement on purpose and I could not leave the mold to eat the sheet rock. But there goes my $3500.00 payment. J (daughter) just thinks that I should be happy I had a way to pay for this without debt. I see myself backsliding on my goals. She also wants me to slow down and pay at least $6000.00 into a studio savings for this summer.
My original goal was to pay off the last CC which now stands with a balance of $7219.00
I have $4100.00 to put toward this card. However, I have a $445.00 water bill, at least $500.00 worth of medical bills to pay, my emergency savings is under $500.00, and I owe another $512.00 to the pharmacy. So you can see that paying a huge payment to the CC is pretty stupid.
I was going to pay $3500.00 a month starting in January to the truck loan and have it paid off by May. J says this is impossible as things will come up and then I will still not have the truck paid off. The minimum payment is $500.00 easily doable, but not in the summer when we have no money coming into the studio. I need at least $2000.00 a month to get buy in the studio. She wants this funded first. She says to pay the CC off in the next two to three months, fully fund the studio savings and then put the rest to debt. Actually when she ran the numbers we could still pay off the truck in May but it will be very close. Budgets always look great on paper and then you start to try to live within them and all ^&%44 breaks loose. J just does not want to see me stress all summer about the bills. I run a zero based budget as I am trying to pay off debt and I have done really well this year but summers are always hard and I never have any money and then bang I am back in debt to a CC.
I guess my question to you is am I trying too hard? or am I caving?
I think I am struggling with the fact that my arthritis has been very bad the last few weeks. I am going up to a specialist tomorrow in Spokane. Both of my wrists are stove up. I had terrible fevers and chills for almost a week related to this disease. Now I still work and get things done but I am just miserable and in pain all the time. I hate it. It is hard to brush my teeth and comb my hair, just simple things that you need to do to live. Getting in and out of the tub is a nightmare. I am typing right now with a space heater on full blast blowing on my legs. I cannot get warm. My temperature gauge is faulty, the worst part of this illness I swear.
I worked all day yesterday to send out a letter and new schedule to all the parents. Over 90 letters, stuffed, addresses, stamped, mailed. What a lot of work. I also had some sewing that had to get done. Tonight hubby and I will go to a 50th wedding anniversary celebration for some friends of ours and then we will go find a new washer. Sorry I am in such a mood, but I will feel better soon.
Have a great and productive day.