Saturday, November 01, 2008
The Light at the End of the Tunnel
| By Lynn Forgy I have been so busy working and homeschooling, that it seems like I never have enough time to do anything else (such as update the blog). I'm not left with enough energy at the end of the day to be creative, hence no new "wonderful" ideas on how to save money or increase income. I'm still on Baby Step #2 - the Debt Snowball (see DaveRamsey.com for commplete Baby Step listing. But I only have $2499 left to go on my student loan and I'm done! (*Note - Make that $1874, because I just made an online payment). I want to have this paid off by Christmas, BUT... Murphy keeps coming around, and each time I feel like I've taken a step forward I take another 1 or 2, sometimes even 3, back. Let's take an example from October, shall we? I had a root canal at the end of last year (which was almost $2000!), and although I didn't have any pain after the root canal I continued to have occasional slight swelling on my gum. I went back to the dentist last week, and of course Murphy had to tag along. I was told that I have a root fracture where the root canal was done, so I need to have this corrected by the oral surgeon. Guess how much that's going to cost - $1,000! After I left the dentist's office, I called the oral surgeon to get a quote. Once they told me the cost, I of course started tearing up and feeling sorry for myself. I can't get ahead, woe is me, yada yada. Long story short - my expected expenses for the month of November = $4600. My expected income for November equals about half of that. I will get some money from mystery shopping, which will probably leave me with a shortfall of about $1600 to $2000. If I don't pay the full $1250 I wanted to pay on my student loan but instead pay only $625, I'll have a shortage of about $1,000. Unfortunately, I'm all out of ideas on how to cut expenses - I don't think I can cut them anymore. My necessities are already cut to the bare minimum. Increasing my income I suppose is the only alternative. But again, I'm all out of ideas on how to do this. I don't have anything left to sell, and even if I did it doesn't seem like too many people are buying. Lots of people are in the same boat as me, right? So my prayer is that God provide for my needs. Which He has up to this point, and will continue to do. I just WANT to finish Baby Step #2, and I want to do this now! |
posted by Krista at 6:55 AM
