eepd
Ok, So, before separation, I did up my budjet, figured everything out and had a good amount of wiggle room.
And now, After I bought the house, I find myself back into a good deal of debt, a paycheque that's much smaller then I need it to be, and mildly panicking.
I'm not short a WHOLE pile of money every month, if I carefully plan and follow my budget, but I am behind some every month.
Sure, I'll get some back from Insurance, and I'll get some back from Taxes, but both are not a Next-week kind of scenario, so I'm stuck, worried that if I don't get my shit back together I could possibly lose my home, and all the things I worked hard for.
I'm scared, but I also know i'll fix things, because I always do. but for the first time in a very long time, I hear a voice in the back of my head saying 'what if you don't/cant'
I don't want to borrow more money from my folks/ or anyone else to be honest. I want and need to be able to do this for myself.
So I'm trying to find strategies to make things work, given the state of my fucked-up paycheque.
1. Save groceries. Buy only essentials, and inexpensive staples that can be combined into healthy nutritious food. I've had issues with couponing, I'm a forgetful person, and not a careful planner
2. Rent out space in my workshop. This is going to happen, but I don't know when, and how much it'll really help.
3. Contemplate renting out my spare room. I mean, I am alone in this big house more then half the week. If I found someone responsible, and trustworthy, I think it could help.
4. Sell stuff. I've got a pile of thigns in the basement/workshop that I don't use, and honestly have no need for.
5. Panic.
6. Contemplate a part time job? I don't like this idea.
7. Build some things, and sell them on Etsy/Kijiji/etc
I just don't know. #panicked.
And now, After I bought the house, I find myself back into a good deal of debt, a paycheque that's much smaller then I need it to be, and mildly panicking.
I'm not short a WHOLE pile of money every month, if I carefully plan and follow my budget, but I am behind some every month.
Sure, I'll get some back from Insurance, and I'll get some back from Taxes, but both are not a Next-week kind of scenario, so I'm stuck, worried that if I don't get my shit back together I could possibly lose my home, and all the things I worked hard for.
I'm scared, but I also know i'll fix things, because I always do. but for the first time in a very long time, I hear a voice in the back of my head saying 'what if you don't/cant'
I don't want to borrow more money from my folks/ or anyone else to be honest. I want and need to be able to do this for myself.
So I'm trying to find strategies to make things work, given the state of my fucked-up paycheque.
1. Save groceries. Buy only essentials, and inexpensive staples that can be combined into healthy nutritious food. I've had issues with couponing, I'm a forgetful person, and not a careful planner
2. Rent out space in my workshop. This is going to happen, but I don't know when, and how much it'll really help.
3. Contemplate renting out my spare room. I mean, I am alone in this big house more then half the week. If I found someone responsible, and trustworthy, I think it could help.
4. Sell stuff. I've got a pile of thigns in the basement/workshop that I don't use, and honestly have no need for.
5. Panic.
6. Contemplate a part time job? I don't like this idea.
7. Build some things, and sell them on Etsy/Kijiji/etc
I just don't know. #panicked.