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You carry a calculator with you through the grocery store trying to get what you can with that sad $23.48 sitting in your bank account. Standing at the checkout, you swipe your card and start your mantra, "PLEASE go through. PLEASE go through." And then that moment of relief washes over you as you see the receipt start to print. (Although, I've experienced the utter humiliation of DENIED three times now. That is enough to make you swear off eating. Just too much trauma associated with the grocery store.)Do you hesitate to answer the phone, ever, because now bill collectors are using local numbers to call? It's not just those 888 numbers you have to avoid anymore. Now, unless Aunt Mary's face pops up on your screen, you're just not sure you can trust that local area code. Could be my son's school calling to say he's fallen gravely ill or it could be Citibank wanting to talk about that $286 I owe them. Best not to chance it. If it's really bad, he'll text me.
How much do you celebrate payday, rushing out to get milk and cat food (yes, that is my life) before the bill payments start coming out? Yeah, it may mean $432 in overdraft fees, but that's better than living with a bunch of starving cats. (They will eat you in your sleep if they don't have their canned food in the morning.)
And really, no matter how much you plan, the income never seems to match the outflow. No, really, Dave Ramsey. I'm trying!!! Just when I think I have a handle on it and I might just get ahead this month, BOOM! My son announces that he is going to prom and needs the money for tickets ($140), a tux ($250), and pictures ($85). I know. Not a necessity, but this child works his butt of and never asks for anything. And he's given ME money on more than one occasion. I can't say no to that.
You pay and pay and pay, but the debt never seems to go away. In fact, wait, is it...is it actually growing?
First, if you haven't experienced any of the above scenarios, good for you. That probably means you've avoided living beyond your means. Keep it that way.
But, if you have, then we're in this together. And as best I can tell, there are two things we need to do.
1 - Stop spending money. What? Ok, I mean frivolously. Stop frivolous spending. Use coupons. Make lists. Only buy what you need. Plan. That won't fix it overnight, but it's a start.
2 - Start finding extra money. Here's where I can help. A home-based business means you don't have to take on another job (seriously, I've never worked less than two jobs since having children and I still continued to struggle) just to bring in extra cash. And these home-based businesses don't have to cost you hundreds of dollars. Want to know more? Send me a message using the Comment Form to the right and I'll follow up with you. Or, click on the image below to watch a short video about this opportunity.








