Background: my husband and I made stupid decisions and now we're in even more debt. So we moved in with my in laws an hour and a half away to save about $1,000 per month.
I am a nurse. I make about $30,000 per year (assuming I don't work overtime) with almost 3 years of experience. I got a paycut from my old hospital. I work between 40-60hrs. My husband has no degree, but has about 5 years of experience in retail and has been a supervisor (just above a regular employee, but not quite a manager) for about 2 years. Currently he is making $320 per paycheck. He is trying to get a better job. He's only been at this job for about 3 weeks. They were misleading on what he would be doing and other things. He had an interview yesterday. He wasn't making really any money from Nov-June.
We cancelled all our credit cards and have stuck pretty strictly to a budget.
Our income per month: $2,840-$3,640 (depends if I work overtime)
Our monthly budget:
- Compassion International: $38
- Emergency fund: $60
- Phone: $166.31
- Grocery: $400
- Gas: $40
- Auto Insurance: $160.42
- Netflix/Anime/Gym/Apple care: $64.77
- Pocket money: $200
- Car payment: $285.57
- Credit Union credit card: $100
- Credit Union Line of credit: $50
- Best Buy Credit card: min $25, we pay $100 most months
- Sallie mae student loans: $575.02
- My federal student loans: $300.69
- His federal student loans: $161.10
- Shitty Medical/dental/eye insurance (comes out of my paycheck before taxes): $390
Our debt:
- Medical bills (half are already in collections): $1,193.90
- Best buy credit card: $2,319
- Credit Union line of credit: $2,326.74
- Family/friends: $3,190
- Credit Union Credit card: $4,658.79
- His federal student loans: $15,167.17 *Car loan: $16,157.04
- My federal student loans: $20,522.94
- Sallie Mae student loans (9.375%-10.375%): $35,510.57
I'm looking into travel nursing, which will pay more and he had the interview yesterday. Is there anyway we can do better with what we have!?
Submitted July 26, 2017 at 08:04AM by CountessAmara http://ift.tt/2uYHI9I
