I am watching our income and expense closely these days.  I have been making extra income now steadily for about 2 moths.  This is my one step forward.

Darn those two steps back.  We recently found out we owe my husband’s job 800.00 approx from a relocation move.  Last time he owed them monies they took it out of his paycheck without any prior notice and he ended up getting two paychecks for only a couple hundred dollars.  I panicked when I heard we owed them monies again, since last time it happened during the holidays too.  Mind you this holiday season was going to be close to non existent anyways, but if this was taken out at once it would be digging into our basic needs.  All I could do was pray for it to be better this time around.

My husband has now found out that he can request it to be taken out in small sums at of course 5% interest.  This is much better interest than most of the credit cards we now have, on which we don’t have the available credit to pay this even if we wanted to.  This it seems is going to be our best option.  Our first step back, because now we are back to to the beginning in our debt reduction again.

Now on to our second step back, the all mighty dental bill.  I had needed some work done recently, mind you it was 4 filling of the dark kind nothing fancy like whit filling etc.  These fillings were just your average ugly filling that needed to be taken care of, less I wanted it to end up being a root canal and a crown ugghh.  That would have been an astronomical fee I am sure of probably in the thousands of dollars, ok back to my reality lol.  My bill for my 4 fillings was 500.00  I almost fell on my butt when I saw what that wow.  I did call them and they too will take monthly payments and at apparently no interest rate, at least non that was mentioned in my call. So we are now even more in debt than when we originally started keeping track of all this.  There just seems to be no end to this anytime soon.  Our family is going to continue to move forward and not lose hope that one day it will be better.

Ok I earned extra income of 136.00 last month which helps and for the month of Oct will earn 250.00 approximately in extra income.

I am doing all I can to bring in as much as possible.  It will take a long while to get ourselves out of this problem we have gotten ourselves into but if we persevere we will be ok eventually.

We are consistently lowering our bills thus far.  We have changed from cable internet and tv to our local phone company which is dsl and dishnetwork.  This change is a savings of 50.00 a month in our tv/internet bill.

I am also planning on cancelling netflix as well and that will be an additional 20.00 saved.   With our new tv/internet plan it won’t be necessary for us to have additonal movies with netflix.

When our cell phone contract come due in March of 2009 we plan on not continuing our cell phone plan for several months this will save us about 100.00 per month.  We are going to try and see how long we can get along without our cell phone.

At the moment we have stopped our debt repayment plan and are concentrating on building up our savings.  We have found this necessary as when unexpected expenses come up we don’t want to have to run to the credit cards.  We don’t want to add anymore to our current debt as we have made a dent in it so to speak. 

 Recently my husband found out he owes his company 800.00 from a company move they did for us over two years ago.  They have agreed to allow us to pay it back at 50.00 a month with 5.0% interest.  I am so aggravated at this new debt, but there was no way to avoid it, we just have to pay it.  We are glad we get to pay it back slowly because we are no where ready to pay it all up front.  We also had some necessary dental work which added another 500.00 to our debt, this will be paid off in small chunks.  We are doing all we can to stop spending but it comes back to those unexpected bills, those are the ones that are making it hard for us to dig our way out of the hole.  I tell my husband it is like trying to dig a hole at the beach the more one digs the more sand falls in.

Oh and dare I forget our fridge is still broken but it still keeps food cold thank goodness.  It is creating a big piece of ice in the freezer which I have to take out about every few days to keep water from spilling out onto the floor.  We paid 200.00 just two months ago to fix it and it appears to have broken again.  Fixing it again would require another 200.00, at that rate it is almost better to replace it.

And the story shall continue on till we are debt free……

The budget or spending plan whatever you choose to call it has become a big topic of discussion in our home.  It is a work in progress,  I am doing my best to keep us afloat. 

Hubby is now helping me with it and is painfully aware of what come in and what goes out financially.  I believe between the two of us we can make it work.