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When it Rains, It Pours

November 10th, 2008 at 03:29 am

Well, I've been silent and absent for awhile. Nothing good to report, only more unexpected debt and overdrafting. It's all very depressing and discouraging. I just want to wait until all the debt has manifested itself so I can make a plan that will stick and will not be undone the next day. I'm tired of spending my energy coming up with plans, just to see them undone.

I guess some good news is, I resisted the urge to change our 401k contributions. We currently contribute 6% and receive a 50% match (6% is the max they'll match) and was tempted to change that in order to see more money per paycheck. I even had the website open to the page I needed, but stopped myself. I know that's not the answer. The answer is staying within budget.

More good news...We will finally start seeing my husband's full raise in his paycheck (it was supposed to start on Sept. 30th) after working through things with HR. Apparently all the paperwork had not been turned in and processed. Anyway, we got a check for the backpay ($444) on Thursday, unfortunately, it'll all go towards paying back overdraft (and still not be enough).

I know I need to run the new monthly numbers, but Oct. and Nov. are too depressing. I think I'll wait until December when I can look forward to a new year and hopefully a fresh start. Then I can look at the numbers and put this year behind me.

Sorry to sound so down. I'm just feeling beat and just so sick and tired of this ridiculous situation that we're in.

Posted in Uncategorized | 6 Comments »

6 Responses to “When it Rains, It Pours”

  1. gamecock43 Says:
    November 10th, 2008 at 03:45 am 1226288727
    1226288727

    I'm sorry things are tough. But it sounds temporary. Good for you not slapping on a band aid and decreasing 401k contributions. I hope things turn around starting in december!

  2. Maismom Says:
    November 10th, 2008 at 03:47 am 1226288821
    1226288821

    Sorry that you're feeling low. Make plans and stick to it, and things will get better. I know it sounds too easy, but that's how people save. Do the basics. I hope you will feel better soon.

  3. Personal Finance Student Says:
    November 10th, 2008 at 01:21 pm 1226323272
    1226323272

    Thanks gamecock and Maismom. I am feeling better today. I know things will turn around; I just hope that it'll be sooner than later. I do feel good that we are still making our Freedom Account contributions too so we aren't backsiding completely. Anyway, thanks for the support!

  4. Koppur Says:
    November 10th, 2008 at 04:49 pm 1226335790
    1226335790

    Hang in there. You may have had some setbacks, but you seem to be aware of them and ready to move on. You can do this!!!

  5. Nika Says:
    November 10th, 2008 at 05:45 pm 1226339156
    1226339156

    It is about consistent effort. You did not get into all this debt in one month, so you won't get out of it in one month. It is a lot of small decisions and efforts adding up eventually.

    As for "Life happens" things - don't let them discourage you.

  6. Ms. Pearl Says:
    November 10th, 2008 at 06:49 pm 1226342995
    1226342995

    I had a bad day yesterday too. I can relate. But keep on going! Do not quit! Things will get better I think it just takes time and effort.

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