Posted by fallsfall on August 5, 2003, at 23:07:13
In reply to I'm a spendaholic, posted by Dinah on August 5, 2003, at 20:53:29
> And tomorrow, my debt consolidation loan will go through. And I will cut up my cards and cancel them.
>
> And I think my minimum expenditures are more than I make. I need to either work more hours or find some way to cut expenses. But I'm only counting the minimum expenditures, so there's nothing to cut. Except therapy. And even that may not do it.What do you mean by "minimum expenditures"? Is that the minimum payment on the credit cards? Your debt consolidation should give you a new amount to pay each month. It should be less than your "Minimum payments" have been.
Or do you mean your electricity, heat, telephone, internet, etc?
Have you done a budget to see how much money is coming in and going out?
Cutting therapy is risky - you and your therapist have determined that twice a week is necessary for your stability. Is he flexible on his fee?
>
> So I need to work more hours. But I have come to the sad conclusion that this *is* as good as I can do, workwise. But I *have* to do better.
>
If you work more than you "can", you will pay a very heavy price. Please be very careful about this. My guess is that it is easier to cut expenses than to increase your income.> I'm not in a good place today.
>I'm sorry things are hard for you. Please let me know if I can help (these kinds of things are sort of up my alley).
(((((Dinah)))))
poster:fallsfall
thread:248407
URL: http://www.dr-bob.org/babble/social/20030727/msgs/248453.html