New… any help will be much appreciated

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If your outgo is already more than your
income you really have no other choice but to get another job. After
looking over your list, the only thing that I see that could be cut down is the
medical bills (you can call and explain your situation – according to
Dave Ramsey they will take anything that pays it down – even though they
WILL try and tell you making the entire payment is the only way they will
accept money; several years ago I was advised to keep paying $5-$10 on my
overdue medical and as long as they kept accepting/cashing the checks my
account was technically active) or the credit card amounts. Of course
this can bite you as the interest will keep rolling over. Can you get
them to lower your interest rate or switch to a lower rate card? Talk to
your local churches or crisis centers; maybe they can help you with groceries for
a little bit.

Could your husband get a part time job in
the evenings just to put toward debt repayment? Or maybe you can do
childcare in your home? Around here there is always a need for childcare
help. Maybe you can sell things you no longer need? Be sure and
check out Dave Ramsey’s website. He has a wealth of financial
advice that is proven and solid and might could help you.

Maybe for Christmas you can ask your
family members to pay towards your bills in lieu of a physical gift. Just
a thought.

Good Luck!

Yolonda

Okay, so I am plugging in our montly bills in to our
budget program

and I am having trouble finding anywhere else to cut. Let me know

what you think.

904.36 Mortage with taxes and ins

140.36 Elec we had the AC guy come today and I am already running a

window unit to cut this down

38.75 Cable $8 basic cable and road runner lite (dial up would be

more because we would have to get a phone line)

358 health ins for me and DH. Kids are are medicaid. I have some

priors that make ins really high for me

80 water and sewer

154.45 payments on medical bills for my son (before we got medicaid)

200 fuel

86.06 car ins.

106.47 equity line

100 groceries for me my hub and two kids (this includes diapers for

my 10 month old and night time diapers for my 3 year old)

942.28 in credit car payments (i know that’s why i’m here 🙁

379.36 car payment

Do you guys know anyone that has gotten by with less that 100 a

month for groceries?

I make my own baby food, cook everything from scratch. Do you guys

see anywhere I can squeeze some extra? Our budget is currently about

$150 over what DH makes.

Any help would be awesome! Blessing to you all!

Mackenzie

12.0pt;color:

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