Overtime

We live off of overtime. I know we shouldn't but with the mess our finances are in we have to. Overtime accounts for $900-1200 bring home per month. To pay our minimum bills we have to have $800 of that overtime. We found out last night that overtime is about to be cut out. I really need one of these positions I've applied to too hire me in a bad way. If his overtime gets cut and I've not found a job then we'll have no choice but to file bankruptcy. Wild Huh?

Entergy Bill and Financial Makeover

We had great weather this past month and did not have to use the air conditioner or heat so our Entergy bill went from $225.00 to $95.00. WooHoo! That's $130.00 in our new Emergency Fund.

We will be cutting out retirement today, it is suppose to take a couple of checks before it stops. The funds from this will begin to go toward our Emergency fund until we reach $1,000.00- Sad we are in our 30's and no longer have an Emergency fund. We did have a very nice emergency fund.... but it was spent by my other half... some toward a true emergency the rest not...then he piled on the credit card debt for us because we all know how important those virtual games are.......

I have been applying to several positions in hopes to get this Financial Makeover going strong... but no luck yet. UPS does need holiday help so do different tax offices.... maybe I'll try them.

Note to all females: Always, Always, Always keep track of the bills and accounts even if you're not the one who pays them. Then you'll never go through this! Never Ever accept "I've got it covered, quit worrying, or it's none of your business." If you're married it's your business!!!! The End!. We're making it through this but only by the skin of our teeth and sometimes it feels like it's my skin.

Dave Ramsey's Financial Makeover

Days ago I started Dave Ramsey's Financial Makeover and a financial diary. I say "I" because although my husband says he's on board....I'm not 100% convinced. I have cut off our phone, Internet, and cable TV. I am gazelle-intense. Today is our 10 year wedding anniversary and the only thing we are doing is having a nice "on sale" steak dinner with a great salad and pie after the kids are in bed. This is at my request because we will be debt-free!!!!!!!!!!!!!!!!!!!!