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Home > $100 raise per month., and blah, blah, blah.
 

$100 raise per month., and blah, blah, blah.

October 7th, 2007 at 04:37 pm

I just realized that our union negotiated raise of 3% will be on my next check. I am so happy. Struggling over my daughter's braces payment will finally stop. I forgot all about that raise until now. I probably wouldn't have waited to start her braces anyway.

New credit card balance is $11,259.47. I pay $315.36. It will be paid off in December 2010. This makes me absolutely sick considering my interest rates are 12% and 7%. Which I guess is not too terribly bad. I'd rather be buying a new car, or pay my house payment down.

Since I started the debt management program, I have not put aside any money. Now I will try to do this each time I get paid again. I'm in a much better position now. That $100 really is going to help. Also I have two collection accounts that I want to pay off. They don't total much.. less then $300. I do want to pay them off.

I have also been trying to figure out my income tax refund. I think I should get back a little over $1,000. I'm going to try very hard to just set this aside in a savings account. My money market has been empty for almost a year. I'm surprised the bank still keeps it open for me. It would be nice to have a little something in there again.

Lots of things have been happening to me latey. I got behind in my mortgage again, my father was diagnosed with terminal liver failure, my daughter wrecked the car I financed for her and didn't have any insurance, I had to put my other dog to sleep and I adopted two more, and I think my mom is going to come and live with me when my dad passes on. I had a lot of money fires to put out and that is why I got behind again.

The car insurance for the girl that hit my daughter hasn't settled yet. Chase bank has been extremly nice about this.

Maybe my most important money decision that I have finally made up my mind to do, is to not help my oldest daughter anymore with ANYTHING. I made her pay me rent for one month and she moved out again. My exact words to her were "My door will always be open to you; however, each time you come back home, you come back a wreck and it takes this family 4 months to recover. This can't happen anymore. You are 23 years old. You need to make it on your own. You always say to me that you are an adult. It is time you started acting like an adult and taking care of yourself and paying your own way. I love you. I expect that this time you will not come back home when things start getting hard, I expect that you will work through your problems like adults do.

Yes I scripted it out and tried to remember it. When I had a moment to say it to her, I almost said it verbatim. Was she shocked? Oh yeah, she just took it for granted that she could come and go as she pleased, whenever she pleased, and always have me to fall back on. I wasn't paying my bills so that I could help my daughter. My little kids were suffering. The final straw was when the car got wrecked and she didn't have it insured. What a mess.

Anyway, I can still see the light at the end of the tunnel. It is a long way off, but I still can see it and it's not as dim as it once was.

Walk in peace



3 Responses to “$100 raise per month., and blah, blah, blah.”

  1. contrary1 Says:

    Keep us posted as to how you're doing. I understand how hard it is to hold the line with those supposedly "adult" children. I have one of my own. Since December, it has been almost a dream, he has a job.....and a part time extra job........an apartment, a car and yes, even insurance. What a pleasant surprise. It has been a long haul, from teen age years til now, he's 25 this next month.
    There were times my only prayer was that I lived long enough to see him safe, healthy and happy. I'm feeling like he's almost to that point! Keep the faith. And, hold the line, although it had to be one of the harder things I've ever done.

  2. boomeyers Says:

    That sounds like an excellent speech for all parents to memorize!

  3. fern Says:

    You're on the right track. Just stay the course and hang in there.

    Very good advice for your daughter, i thought.

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