i think i need some help. actually i know i do. lol. So my story is most of my life when i was growing up my dad has given me money, not a lot but enough to equate his love of me with the money he gives me. my mom has been through bankruptsy ( i went through that-not being able to eat-you think that wouldve taught me) and now she is just pulling up with her new husabnd and their new buisness-she has never helped me financially. So i knew nothing of finances at all-went from highschool to on my own for a while and then to college for two years-trying to get into nursing but instead racking up a student loan and a personal (student) line of credit. In my second year of college i got pregnant and flunked out. had my son and after a year with him i went back to private college and got a medical assistant degree (from what i learn now is 4 times what i should have payed for a degree) I have a part time job which i love, and another young son, who will be in playschool this year. I have spent the last 5 years paying for all these bills. I have read a (zillion! lol) finacial books and realize how inept i was and i wish i could go back.
i have lived with my boyfriend (the father of my sons) for about 6 years which is also crippling me. He was seasonal working until he went to school about a year ago (which was hell for me) he is now working apprencship plumbing which is now less than what i make-but full time. he has never once paid for any of my bills. he pays the rent, utilities and some food. ive tried to budget and i do admit- i suck at sticking to them. my student loans have been in default ( i have one recently back in good standing but i dont think im going to keep it there for long). I have been looking for a fulltime job... forever in my medical field-theres nothing!!! i could move but DH doesnt want to leave his home town. since both boys are now going into school-i still have to find daycare for both (SUCH a pain) i really want to get to work fulltime. I feel so overwhelmed. im trying to plan a great birthday for my son and im down to my last 100$- its either food for the party or food for the next two weeks for the house. this happens all the time. we are getting hit so bad, i have now a horrible medical coverage bill-which i cant pay- it seems like we are just over the cap of where everything is cheaper. like we make just enough money to make us pay through the teeth for everything.
I dont know what to do. i mean its getting to the point where im going to have to get a job at a gas station so i can pay off bills (again) (ps- my line of credit from my first year of college was 8000 and i payed it down to a little over 1000- the ONLY thing i can be proud of !) I also have an addiction to fast food-i know its bad and im trying to stop. Any advice? links? im thinking im gonna have to put away my pride (and the 14000 i spent on my career and get a job at a convience store) it just means i have to find daycare (reliable) for my kids and pay for that too. It seems like im sinking fast and this is really impacting my relationship- he seems to think that the kids can survive off of kraft dinner and the people that call the house FOR HIM dont need to be taken seriously. i have to keep on him, as we have seperate accounts (this way since i met him), so that our house bills get paid as he seems to pay one bill at a time and has gotten our power shut off in the past. is there another way to do this??? i hate talking money to him, he doesnt want to have a joint account cause he thinks all i do is spend money. which in all fairness i can, but i also take in maybe (my schedual is so variable and they dont offer fulltime) 1000 a month and have over 500 in bills to pay. i just dont know where all this money is slipping away to- gas, car repair, household stuff like shampoo and floor cleaner. Im just scaired it will continue like this. Some advice? thanks.
i have lived with my boyfriend (the father of my sons) for about 6 years which is also crippling me. He was seasonal working until he went to school about a year ago (which was hell for me) he is now working apprencship plumbing which is now less than what i make-but full time. he has never once paid for any of my bills. he pays the rent, utilities and some food. ive tried to budget and i do admit- i suck at sticking to them. my student loans have been in default ( i have one recently back in good standing but i dont think im going to keep it there for long). I have been looking for a fulltime job... forever in my medical field-theres nothing!!! i could move but DH doesnt want to leave his home town. since both boys are now going into school-i still have to find daycare for both (SUCH a pain) i really want to get to work fulltime. I feel so overwhelmed. im trying to plan a great birthday for my son and im down to my last 100$- its either food for the party or food for the next two weeks for the house. this happens all the time. we are getting hit so bad, i have now a horrible medical coverage bill-which i cant pay- it seems like we are just over the cap of where everything is cheaper. like we make just enough money to make us pay through the teeth for everything.
I dont know what to do. i mean its getting to the point where im going to have to get a job at a gas station so i can pay off bills (again) (ps- my line of credit from my first year of college was 8000 and i payed it down to a little over 1000- the ONLY thing i can be proud of !) I also have an addiction to fast food-i know its bad and im trying to stop. Any advice? links? im thinking im gonna have to put away my pride (and the 14000 i spent on my career and get a job at a convience store) it just means i have to find daycare (reliable) for my kids and pay for that too. It seems like im sinking fast and this is really impacting my relationship- he seems to think that the kids can survive off of kraft dinner and the people that call the house FOR HIM dont need to be taken seriously. i have to keep on him, as we have seperate accounts (this way since i met him), so that our house bills get paid as he seems to pay one bill at a time and has gotten our power shut off in the past. is there another way to do this??? i hate talking money to him, he doesnt want to have a joint account cause he thinks all i do is spend money. which in all fairness i can, but i also take in maybe (my schedual is so variable and they dont offer fulltime) 1000 a month and have over 500 in bills to pay. i just dont know where all this money is slipping away to- gas, car repair, household stuff like shampoo and floor cleaner. Im just scaired it will continue like this. Some advice? thanks.