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  1. #1
    courtney.mcswain
    Guest

    Default New to budgeting

    Hello All,



    I am in desperate need of advice. I have got to be one of the worst

    people in the world with money!!! I have never gone by a budget; I

    just get money and spend it within two days. I would really like to

    start managing my money instead of spending it. I have five children

    so I need to actually have money for all the things that come up. It

    real hurts me to tell the that they can't have things they want

    because of my mistakes. It's also bad that every time they want

    something the question always starts with "can we afford?". They are

    very sweet children and anytime they get even a few cents they offer

    it to me to help out, they are just children they shouldn't have to

    worry about theses kind of things. Several times I have found

    printable budget worksheets online but they have never helped. I

    spend my money on ridiculous things not what I actually need.

    Although I know that my spending is completely outrageous my biggest

    problem is my husband. We have been together for 8 years and he has

    never worked. No amount of begging and pleading will get him to get

    a job, he doesn't want one and that's all there is to it. Up until

    six months ago I had been on welfare for the whole time we where

    together. I am now working but only make about $2,000 a month. Our

    rent is half of that. My husband is an alcoholic and spends a lot of

    what is left on booze (thank god he's not into drugs too). When I

    tell him no he just takes the money anyways. He's abusive so hiding

    the money just gets me hurt and he ends up with the money anyways. I

    know what you are all going to say get rid of him, that's not an

    option!! I am trying the best that I can to provide for my family

    and get our lives in order but without knowing how to budget and


    having such a crappy credit rating I'm lost. My bad credit is

    another of my problems…I don't know how to fix it. Any suggestions

    about how to start off with the budgeting would be really

    appreciated. Thank you all.



    Courtney










  2. #2
    Nancy R
    Guest

    Default New to budgeting

    I actually think you are a troll. But in case you are not, the first two

    things you should do:

    1. Use birth control

    2. Get rid of the husband.



    Nancy



    ----- Original Message -----

    From: "courtney.mcswain" <courtney.mcswain@yahoo.com>





    Hello All,



    I am in desperate need of advice. I have got to be one of the worst

    people in the world with money!!! I have never gone by a budget; I

    just get money and spend it within two days. I would really like to

    start managing my money instead of spending it. I have five children

    so I need to actually have money for all the things that come up. It

    real hurts me to tell the that they can't have things they want

    because of my mistakes. It's also bad that every time they want

    something the question always starts with "can we afford?". They are

    very sweet children and anytime they get even a few cents they offer

    it to me to help out, they are just children they shouldn't have to

    worry about theses kind of things. Several times I have found

    printable budget worksheets online but they have never helped. I

    spend my money on ridiculous things not what I actually need.

    Although I know that my spending is completely outrageous my biggest

    problem is my husband. We have been together for 8 years and he has

    never worked. No amount of begging and pleading will get him to get

    a job, he doesn't want one and that's all there is to it. Up until

    six months ago I had been on welfare for the whole time we where

    together. I am now working but only make about $2,000 a month. Our

    rent is half of that. My husband is an alcoholic and spends a lot of

    what is left on booze (thank god he's not into drugs too). When I

    tell him no he just takes the money anyways. He's abusive so hiding

    the money just gets me hurt and he ends up with the money anyways. I

    know what you are all going to say get rid of him, that's not an

    option!! I am trying the best that I can to provide for my family

    and get our lives in order but without knowing how to budget and

    having such a crappy credit rating I'm lost. My bad credit is

    another of my problems.I don't know how to fix it. Any suggestions

    about how to start off with the budgeting would be really

    appreciated. Thank you all.










  3. #3
    Amy W
    Guest

    Default New to budgeting

    Sadly, if you don't want to do anything to change your situation, you're out of

    luck.



    All you can do is open your own personal checking account. But if he's going to

    beat you over it, then that won't do any good either. So you're pretty much

    stuck with no other option than to leave him.



    Don't know if it's a personal or religious reason, but you could always legally

    separate (instead of divorcing) until he gets his act together and then you'll

    have the independence you need to financially and physically survive without

    putting yourself and your children in danger and not breaking any religious laws

    by not divorcing.



    Been there and done this......











    ~Amy

    "When you have exhausted all possibilites, remember this: you haven't." ~Thomas

    Edison











    ----- Original Message ----

    From: courtney.mcswain <courtney.mcswain@yahoo.com>

    To: Budget101_@yahoogroups.com

    Sent: Monday, March 3, 2008 11:45:36 AM

    Subject: Budget101.com : New to budgeting



    Hello All,



    I am in desperate need of advice. I have got to be one of the worst

    people in the world with money!!! I have never gone by a budget; I

    just get money and spend it within two days. I would really like to

    start managing my money instead of spending it.






  4. #4
    Katrina Hartman
    Guest

    Default New to budgeting


    That's exactly what I was thinking...

    ~~*Katrina*~~
    Life is short. Break the rules. Forgive quickly.
    Kiss slowly. Love truly. Laugh uncontrollably.
    And never regret anything that made you smile.

    [quote]




    I actually think you are a troll. But in case you are not, the first two
    things you should do:
    1. Use birth control
    2. Get rid of the husband.

    Nancy

    ----- Original Message -----
    From: "courtney.mcswain" <courtney.mcswain@yahoo.com>

    Hello All,

    I am in desperate need of advice. I have got to be one of the worst
    people in the world with money!!! I have never gone by a budget; I
    just get money and spend it within two days. I would really like to
    start managing my money instead of spending it. I have five children
    so I need to actually have money for all the things that come up. It
    real hurts me to tell the that they can't have things they want
    because of my mistakes. It's also bad that every time they want
    something the question always starts with "can we afford?". They are
    very sweet children and anytime they get even a few cents they offer
    it to me to help out, they are just children they shouldn't have to
    worry about theses kind of things. Several times I have found
    printable budget worksheets online but they have never helped. I
    spend my money on ridiculous things not what I actually need.
    Although I know that my spending is completely outrageous my biggest
    problem is my husband. We have been together for 8 years and he has
    never worked. No amount of begging and pleading will get him to get
    a job, he doesn't want one and that's all there is to it. Up until
    six months ago I had been on welfare for the whole time we where
    together. I am now working but only make about $2,000 a month. Our
    rent is half of that. My husband is an alcoholic and spends a lot of
    what is left on booze (thank god he's not into drugs too). When I
    tell him no he just takes the money anyways. He's abusive so hiding
    the money just gets me hurt and he ends up with the money anyways. I
    know what you are all going to say get rid of him, that's not an
    option!! I am trying the best that I can to provide for my family
    and get our lives in order but without knowing how to budget and
    having such a crappy credit rating I'm lost. My bad credit is
    another of my problems.I don't know how to fix it. Any suggestions
    about how to start off with the budgeting would be really
    appreciated. Thank you all.





  5. #5
    Ann Llanas
    Guest

    Default New to budgeting

    What is a troll?







    -----Original Message-----

    From: Budget101_@yahoogroups.com [mailto:Budget101_@yahoogroups.com] On

    Behalf Of Nancy R

    Sent: Tuesday, March 04, 2008 6:42 AM

    To: Budget101_@yahoogroups.com

    Subject: Re: Budget101.com : New to budgeting







    I actually think you are a troll. But in case you are not, the first two






  6. #6
    Shelly Billingsley
    Guest

    Default New to budgeting

    What in the world is a troll??

    Umm, no matter what a troll is, the birth control comment is out of line.
    Shelly

    ----- Original Message ----
    From: Nancy R <nancyr@ntin.net>
    To: Budget101_@yahoogroups.com
    Sent: Tuesday, March 4, 2008 8:41:48 AM
    Subject: Re: Budget101.com : New to budgeting





    I actually think you are a troll. But in case you are not, the first two

    things you should do:

    1. Use birth control

    2. Get rid of the husband.



    Nancy



    ----- Original Message -----

    From: "courtney.mcswain" <courtney.mcswain@ yahoo.com>



    Hello All,



    I am in desperate need of advice. I have got to be one of the worst

    people in the world with money!!! I have never gone by a budget; I

    just get money and spend it within two days. I would really like to

    start managing my money instead of spending it. I have five children

    so I need to actually have money for all the things that come up. It

    real hurts me to tell the that they can't have things they want

    because of my mistakes. It's also bad that every time they want

    something the question always starts with "can we afford?". They are

    very sweet children and anytime they get even a few cents they offer

    it to me to help out, they are just children they shouldn't have to

    worry about theses kind of things. Several times I have found

    printable budget worksheets online but they have never helped. I

    spend my money on ridiculous things not what I actually need.

    Although I know that my spending is completely outrageous my biggest

    problem is my husband. We have been together for 8 years and he has

    never worked. No amount of begging and pleading will get him to get

    a job, he doesn't want one and that's all there is to it. Up until

    six months ago I had been on welfare for the whole time we where

    together. I am now working but only make about $2,000 a month. Our

    rent is half of that. My husband is an alcoholic and spends a lot of

    what is left on booze (thank god he's not into drugs too). When I

    tell him no he just takes the money anyways. He's abusive so hiding

    the money just gets me hurt and he ends up with the money anyways. I

    know what you are all going to say get rid of him, that's not an

    option!! I am trying the best that I can to provide for my family

    and get our lives in order but without knowing how to budget and

    having such a crappy credit rating I'm lost. My bad credit is

    another of my problems.I don't know how to fix it. Any suggestions

    about how to start off with the budgeting would be really

    appreciated. Thank you all.







    Never miss a thing. Make Yahoo your homepage.



  7. #7
    M F
    Guest

    Default New to budgeting

    Look into counseling for your self. You need help on how to deal with an alchocolic. You know that it's not your fault and that you can't change him. It will help you if you learn how to work with what you have. No marriage is perfect, but some are harder to live with. My mom was in an abusive marriage for 50 yrs. and I was brought up in a vary strict christian enviroment. The memories of abuse have stayed with me. Take time for yourself and find help. If you go to church ask your pastor, if not start with the police dept. There are counselors out there that charge based on your income.

    Good luck to you
    Melissa

    <div style="font-family: times new
    roman,new york,times,serif;font-size: 12pt;">

    Hello All,

    I am in desperate need of advice. I have got to be one of the worst
    people in the world with money!!! I have never gone by a budget; I
    just get money and spend it within two days. I would really like to
    start managing my money instead of spending it. I have five children
    so I need to actually have money for all the things that come up. It
    real hurts me to tell the that they can't have things they want
    because of my mistakes. It's also bad that every time they want
    something the question always starts with "can we afford?". They are
    very sweet children and anytime they get even a few cents they offer
    it to me to help out, they are just children they shouldn't have to
    worry about theses kind of things. Several times I have found
    printable budget worksheets online but they have never helped. I
    spend my money on ridiculous things not what I actually need.
    Although I know that my spending is completely outrageous my biggest
    problem is my husband. We have been together for 8 years and he has
    never worked. No amount of begging and pleading will get him to get
    a job, he doesn't want one and that's all there is to it. Up until
    six months ago I had been on welfare for the whole time we where
    together. I am now working but only make about $2,000 a month. Our
    rent is half of that. My husband is an alcoholic and spends a lot of
    what is left on booze (thank god he's not into drugs too). When I
    tell him no he just takes the money anyways. He's abusive so hiding
    the money just gets me hurt and he ends up with the money anyways. I
    know what you are all going to say get rid of him, that's not an
    option!! I am trying the best that I can to provide for my family
    and get our lives in order but without knowing how to budget and
    having such a crappy credit rating I'm lost. My bad credit is
    another of my problems…I don't know how to fix it. Any suggestions
    about how to start off with the budgeting would be really
    appreciated. Thank you all.

    Courtney




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  8. #8
    Katherine Lassiter
    Guest

    Default New to budgeting



    "courtney.mcswain" <courtney.mcswain@yahoo.com> wrote: Hello All,

    I am in desperate need of advice. I have got to be one of the worst
    people in the world with money!!! ************************* First, I'd see a divorce attorney. What exactly makes you want to stay with an unemployed, abusive, alcoholicbum? I am sure there is help somewhere to get you out of this disastrous relationship. How could it be any worse? Does he bring anything positive to this family? How
    does he help? He doesn't. If you have been supporting your family for 8 years alone, that is an accomplishment to be proud of. $2000 a month is a good amount of money to start with. There is help for single mothers. Get away from this loser who is setting a horrible example for your children. Do you want any of them to grow up to be anything like him? Get out!You can make it on your own. You already are. Kathy



    &#32;



 

 
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