This is the time in my life when I am supposed to have all the answers.... HA. I can't manage to keep my checking account out of the red, I graduated from College with a BA in BS.... and my children are out of control. What am I going to do next when I get out of grad school, and still can't find a real job because they just aren't out there for anyone who doesn't have a solid understanding of what they wanted to be when they grew up. There are so many college students that are out here still working the crap jobs because they can't find an in. What did we go to school for? Why did we spend all those hours praying and studying, and pulling our hair out trying to get through our skulls the skills the instructors deemed necessary to become a better citizen with a bright future? We have graduated....NOW WHAT?
The economy in the shithole that it is in leads me to believe that McDonalds may be the best offer some of us will get. Minimum wage is staring us in the eyes and laughing at us. Is there a way to get ahead?
Some of the greatest tips I have learned so far is to stop living paycheck to paycheck....but hell, let's be honest, sometimes I need two checks just to have enough money to pay the bills that are due in the middle of the month. So, How do I do this? How does the money suddenly stop being such an issue? I have read more books on finance than most people I know, yet I still feel stupidly unaware of the delicate balance between completely on my ass broke, and just floating above the "I can't find any more change to put in the gas tank.". Is there some magic trick to not being broke?
Ok, so really, I don't need the 400.00 a month car payment.....I don't need the 130.00 month cellular bill... I could pay off my credit card...eventually, and get my credit score up to the place it needs to be, but really....that takes time, and I feel sometimes that the creditors don't know that, or care.
Damn, I'm screwed.
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