Archive for » November 4th, 2008«

This time my wallet cries “uncle”

I knew it would be tough when we decided that I’d stay at home with the kid. I have some wonderful freelance jobs that help a lot. If I couldn’t bring in any income we’d be in some serious hurt right now.

But it’s still not enough. I don’t want my husband to get a 2nd job where we never see him. I don’t know how I’m going to bring in more money without working an incredible amount of hours. As it is, I feel like I’m ignoring my boy. Oh, how I wish I could give him my undivided attention all day, or at least most of the day. What I need is to work in the afternoon/ evening when Daddy’s home. I get to do some of that, which helps a lot.

I know I’m rambling. I just really feel like I’m drowning right now. School debt, dentist bills, credit cards. We had to use our credit cards a bit when I was on maternity leave and it has just kept going from there. Came home from voting to check the mail and find a bunch of bills. So depressing.

I’m trying to find places to cut our expenses. Getting rid of cable, but I need to keep the high speed internet. We’re still under contract for our cell phones. I might be able to lower the monthly rate. My car is paid off. The motorcycle is paid off. The truck is not. Right now we can’t be without two vehicles. I can’t be stuck at home if something happens with the kid. And our public transportation isn’t good enough to rely on it except for short jaunts locally.

We could sell a few things, but we really don’t have that much to get rid of. Books, which don’t have a great resale value. Some fishing equipment. Nothing that substantial. Most of it is only donation material – and I’ve never been able to donate enough to make it a decent write-off. (No home, so we rarely qualify for itemized deductions.)

I’d like to move to a cheaper area, but we can’t even pull together the extra cash for that. It’s hard to be positive when I don’t see us getting out of debt for a very. long. time. Regardless of which way the election goes.