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i paid bills using a credit card

March 10th, 2005 at 05:32 pm

ook, i need to get my budget figured out. with joe not working, as much as id like or making money as much as he would durring the summer, i have to figure out how to pay the bills i have with what i have. not an easy task.

so what im goning to do is try to get the bills i have pared down to a manageable amount. it may take a while but i should be able to do it. right now..my budget is as follows...

1. house payment
2. cell phone ( i only have a cell, no landline)
3. car ins
4. satalite dish ( we live in an area where there is no picking up any channles without the dish)
5. truck payment
6. credit card payments
7. vet bill/ horses ( i have 2 horses that live at my folks house)
8. utility bill
9. propane payment
10. gas for my vehicles
11. walmart and misc ( cleaning, meds exct)
12. food

theres not alot of wiggle room, but the ways i think i can do the best to help myself is to cut back on the satalite payment, its at the top 180 and the showtime stations. if i cut back to just the 120, and my locals, i think id get it at like 30 less a month. a definate idea. i dont watch too much tv anyway excpt the regular chanles and food network.

when i move to the new trailer, there wont be a propane payment anymore as the whole house is elect. so that will save me there, however, my elect will probly go from between 140-150 to over 200 a month. wich as long as i keep it under 300, im still saving money on that. that is a goal on my part.

the vet/ horses isnt much, i spent about 50 a month average on my horses. but i dotn anticipate getting rid of them. they make me happy and i can cut out something else to keep them.

truck payment..wont go down. however, when hubby fell i did refinance and get it cut by 50 a month and the payments that were only for the next 17 months, went back to the next 2 yrs, but i can live with that.

what i need every month to live..bare bones..basic bills listed above..aprox 950. i get aprox 450 a month child support, and the rest, if i got that part tiem job would be coverd by the 800 id make part time there. however, id like to find a way to continute to be a stay at home mom and not have to work. but thats my idea. i need to find 500 a month. i think the best idea would be the working part time. if i did 3 days a week...preferably when my son was home to take care of my girls, it would be better, but then id have the expence of paying my son for sitting costs. everything has a reaction and an challenge. oh well, back to the paper to see what i can do.

have a good day

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