get out of debt

Well. Everytime I feel like I’m almost caught up, something happens and I get dragged under again. This week it was a possibly broken thumb= dr appt + x-rays.

BUT. On the bright side, I get paid this week, and I STILL have 10 dollars in my checking account, so I didn’t bounce anything this month. Go me! sigh

Wow, my bank account has POSITIVE numbers!
Of course, yesterday I got something from a credit collector. Which…I honestly thought I had paid that particular bill, so I’m kind of confused about it. I need to call them tomorrow. bleh.

Well, I finally moved. I should be able to finish paying all of my lefover overdue bills with the next paycheck I get. And since I don’t have to pay rent or utilities where I am now, that means that with the next check, I can actually maybe catch up on buying things like food and toilet paper! yaaay! heh. And then start throwing every extra penny at the credit cards. Eef…
Also, I start a new job in a few weeks. Full time. No idea what I’ll be making, heh. Probably somewhere in the range of 10-12/hr….

I might be moving soon….to a rent FREE, no utilities costs apartment!!

Well, it’s more of a big room above a garage. But still!!! Keeping my fingers crossed. Even just a few months of not having to pay $310 a month plus gas and electric (I already don’t pay for water or sewage or trash) would help me make at least a DENT in my finances. Or at least I wouldn’t be late with rent every month any more!!!

The place is way smaller than my current place, but that would inspire/require me to get rid of a lot of the excess junk I have laying around.

It would also require doing a whole lot of moving stuff, cuz the place is currently chock full of antiques and stuff from auctions that they keep stored there.

Oh please let this work out!!!!!

well, I dl a budget template. Even tho my debt at the moment is less about where my money is going and more about not having enough money to go where it needs to. If that makes sense. Like, I haven’t spent money on a cd or dvd or even GROCERIES in 2 weeks cuz I just plain don’t have the money to spend on such things.
blah. But I like excel worksheets that do the math for me. And maybe it will give me hope. ?

Right. So.
So far I’ve gotten shut off notices from:
gas company
electric company
internet
and warning notices from:
1 credit card
health insurance
and overdrafts:
2..3…4 times now?

hahahahahahahahahahahhaaaaaaaaaa. slams head on the desk

Oh how I wish it didn’t. My debt as of today:

44,035.33 – student loans
14,287.76 – car loan
8,994.98—citicard
3,702.20—gm card
2,500 —bank loan

$73520.27

Not to mention monthly bills.

I feel sick to my stomach. How am I EVER going to get out of this, when they all seem to GROW every month rather than decrese…and not even due to SPENDING, just from INTEREST rates!!!