My family has not been able to keep.our heads above water financially. Our financial planning has been all about how to stay afloat. We should be entering a better phase soon. I have just started working as a teacher instead of retail so that should be an income boost.
Let me back up. We lived in California, and made the cross country move to Florida because the rent was too damn high. We moved from an area with family, to an area with family. My partner has been a teacher for about 8 years now, and was teaching at a private Catholic school in LA, and came out here with a job at a public school. I came with no job, but have since landed one, teaching middle school. I will receive my first full paycheck at the end of the month.
That should be the start of us stabilizing. But I'm not sure because our expenses might still have us dead in the water with income.
I've tried setting up a budget before, and all it really told us was that we're screwed. We both have student debt, and credit card debt. We also have a lease on a car. In addition to that, we rent, and have to pay the standard utilities, and of course food and gas. And lastly, we have childcare. That's a special case because our daughter is autistic and needs in-home care with drop off and pick up from school. We have a private carer now, but are looking at other options to have something more reliable.
All that to say, we're behind on a couple bills, and will be eating into my first paycheck to catch up. We have to survive that, and then develop a plan to handle the bills and possibly build savings. We have nothing in the bank, no real assets, and we are dealing with the credit card debt through Freedom Debt Relief.
Submitted October 19, 2018 at 07:27PM by kcnightfang https://ift.tt/2Oye6L3
