My goal is to get out of this payday to payday rat race. Today I get paid for 86 hours at $11.50 an hour. I have to pay my vehicle insurance, $180, my credit card $75, Money Mart $150, my co-worker $100, probably an overdraft on my bank account $40, Money mart for cashing my check $35 that totals to $580. Assuming my check is $850 that leaves me $270 I still owe on my cel phone and a friend that I borrowed $200 from this spring that I have not been able to pay.
So this is the amount I have left for till August 15. So I will put $50 on my cel phone and $20 to my friend. This way everybody gets money. Perhaps I can even buy some yarn to keep me busy till next payday. I'm waiting for my co-worker to call me to tell me that I can go pick up my check. I have maybe two dollars in my purse left.
So I didn't get my check and now I'm looking at paying late fees to my bank because my vehicle insurance come out on the third. I had changed the date specifically on the third because I knew that I was paid on the first. But my boss took off for the long weekend and I find out that the hours were just send to the accountant today. I have ten cents to my name. It is time I figure out how to get out of this mess. I had a chat last night with a friend and he said to me that money causes more stress then it's worth. I felt defeated and discouraged. Here I am working 8 hours a day with no breaks for $11,50 an hour, just to give all my money to other people. Because I only have enough left over for food and gas to keep me going till next payday.
I think about saving five dollars every paycheck again and I know it adds up eventually. If I manage the money I have, I'll have more money to manage. It just seems like a pattern keeps repeating itself. As soon as I get ahead a bit, I get a set back. I have to pay late fees that I had not planned on paying if my paycheck had been on time. I am paying a NSF charge with Money Mart because when I borrowed the money on the 26, they had to get the payment on the 29 because Aug 1 was on monday which happened to fall on the holiday. so now I have to pay them $147 plus $25 for late fees, plus the overdraft charge at the bank on that payment that didn't go through plus the late charge for my insurance not going through which is another $25 plus the bank charge overdraft which is probably $45. And probably another overdraft charge on the Money Mart check that didn't go through.
It's no wonder people commit suicide. LOL How can people pick themselves up when they feel it is hopeless to even try. But I'm not like that, I am stepping up the plate, and have looked at readjusting my budget again, for the fourth time to see if I can make this work. I don't give up easily, that for sure. I believe that there is always a way. So I'll have to stay home for the next two weeks again, oh well. It could be worse. I'll buy a ball of yarn a crochet myself something. I can visit the park that is only a mile away to get away from the stress I feel. It could be worse. Finally get paid today.
Your Money Trailblazer
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