Ok so I’m going to lay everything out on the table and if someone could help me figure out what I can do better I would appreciate it.
Back Info. Currently on disability after and ATV accident left me paralyzed at the T10, but have some movement back in my legs., but I also have Breast Cancer so working isn’t an option right now. I didn’t have insurance at the time of my accident and am now a half a million dollars in medical debt. No other debt to my name besides car loan. My husband died young and unexpectedly and we were young and stupid and didn’t plan. Spent all savings to bury him and now it’s just my 2 year old daughter and I. No family.
My total income right now is 1,700 a month.
•My rent is 745 -i this is a one bedroom and I can’t move until my lease is up but honestly this is the cheapest place in the area. I have applied for section 8 but it could take years before I even get on a list.
•car payment 400 -I paid for 1/2 the car upfront and since my credit is terrible because of my accident I have 23 percent interest. The original plan was to refinance after a year but I’m now two years in and I can’t afford to put any money down to help refinance. I have to have a car! Between doctors appointments a wheelchair and a two year old public transportation isn’t an option or reliable here.
•insurance 135 -took a safe driver course to lower it some. This includes the cars coverage that I have to have since I have a loan and my renters insurance which I also have to have.
•45 phone -I bought my phone outright so I wouldn’t be caught in a plan. Has the smallest package I can get with some internet (I need to pay a few bills and check bank account etc). We have no cable or WiFi in house
•gas 50 (its a little over a tank) -only use car when absolutely needed otherwise we walk
•diapers 30 -no washer or dryer at house so can’t use cloth diapers. I get the cheapest ones that don’t fall apart LUVS
•Laundry 25 -this includes soaps. I wash some stuff in the sink at home if it isn’t really dirt to help stretch this but everything worn gets washed at least once a month.
•Electric 120 -I averaged our usage over the course of two years and pay that average every month regardless of the bill. I don’t qualify for electric assistance and I can’t get on a budget plan since I have been here a year.
•Food on average 100 dollars -I am on WIC, and food stamps I get 22 dollars. I coupon a ton. And I eat mainly rice beans potatoes and peanut butter and jelly. My daughter has a slightly better diet since she is growing so I do get her frozen veggies and fruit when on sale.
•Meds- 37 - I use Good RX for scripts and a combination of different discount cards. It varies some months but it’s never more than 37.
So total -745 -400 -135 -45 -50 -30 -25 -120 -100 -37
= $1,687.00
So after all is said and done I have three dollars. I have no idea what to do. I keep going over the numbers over and over again and I don’t know what I can cut out. This doesn’t cover routine car maintenance (I usually cover by selling my stuff, but I’m running out of stuff to sell), or my daughter and I’s basic needs.
I could really use some help Reddit! Please help this Mama figure something out for my daughters sake.
Thanks. And I’m sorry this is long. If anyone has any questions or needs clarification on anything please let me know and I’ll answer it to the best of my ability!
Submitted August 26, 2018 at 07:56AM by LegoPrincess1993 https://ift.tt/2wdZdCH
