(no subject)
It's nearly 2am. Mostly posting right now because everyone else, including Arianna, is asleep and I can't seem to sleep. And, of course, I have nothing else to do but sit and watch bad tv all night long and search the internet. I've been here for over an hour researching online ways to reduce credit card debt. Because after taking a much needed hard core look at our finances, we've come to realize that are finances are worse then we thought they were originally. So now I'm looking at different loan options to see what we could possibly combine with our coming tax return to cut Alex's massive credit card debt. The hope is that any other loan we get would have a lower interest rate than the credit card interest rate and that maybe we could not have to pay as much monthly towards a loan even if we still have a loan to pay. If we combine it with some of our tax return (which hopefully will be substantially larger than last year... please God....), then maybe we could get a large majority of his credit down. The money we spend on his credit card every month is substantial enough that it really sets us back and causes us to be over our limit every month, especially when you figure in the expenses like daycare, which we all know costs WAY to much money. And with me out of work for the next two weeks still and another month before I even get any paycheck, things aren't getting any better because I can't even contribute any money towards fixing the problem.
This is definitely not what I wanted to be worrying or thinking about on the very first day of the year. But, I guess, it's got to be dealt with at some point. I'm just hoping we can find a solution for all of this. What sucks even more about all of this is that we actually were in really good shape financially at one point. There was a point in time, up to about a year or so ago, that we were in decent shape financially. We weren't perfect but we were never late on any payments and weren't carrying that much debt on the cards. We were living paycheck to paycheck with hardly anything to spare. But we were in much better shape than we are now. And then, suddenly, it all went to hell and I'm not even really sure how. Here's hoping 2011 can bring better things financially. I'm going to try and think positively about all this, no matter how deep in darkness I may feel about it all.
This is definitely not what I wanted to be worrying or thinking about on the very first day of the year. But, I guess, it's got to be dealt with at some point. I'm just hoping we can find a solution for all of this. What sucks even more about all of this is that we actually were in really good shape financially at one point. There was a point in time, up to about a year or so ago, that we were in decent shape financially. We weren't perfect but we were never late on any payments and weren't carrying that much debt on the cards. We were living paycheck to paycheck with hardly anything to spare. But we were in much better shape than we are now. And then, suddenly, it all went to hell and I'm not even really sure how. Here's hoping 2011 can bring better things financially. I'm going to try and think positively about all this, no matter how deep in darkness I may feel about it all.