(This post is mostly me whining. Feel free to ignore it.)
I’m so frigging tired of time and time again finally getting to a point where I feel like my finances are coming together and getting under control, only to have some catastrophe send everything spiralling downhill again. I end up in this same frustrating cycle over and over and over again, and it’s getting really old.
A few months ago, things were looking up. I had a good job, doing work I enjoyed, getting more experience under my belt, and getting a halfway decent paycheck (just a touch above $12/hr). I wasn’t out of debt — far from it — but I at least felt like I had a handle on things, and could foresee being able to pay everything off eventually.
Then I goofed up, and everything fell apart again. Suddenly unemployed, I had a month without any income, and if it hadn’t been for the kindness of friends and many strangers, I wouldn’t have been able to make rent that month. Even with rent being covered, all the other little day-to-day expenses (food, laundry, transportation, etc.) still ate away and what little savings I had, until things were looking pretty dire.
Thankfully that only went on for a month, but it dug a pretty decent hole, and now I’m facing troubles getting out of it. While I’m employed again, I’m earning about $2/hr less than I was before, and I now have more expenses (as my current employer doesn’t supply me with a bus pass as my last one did), plus I’m having to adjust from a weekly pay period to a bi-weekly pay period, which makes a huge difference in being able to plan and budget bills.
With the way pay periods since I’ve started have worked out, I had to float my rent check for December. The property management company apparently took their own sweet time putting the check through, which normally would be a good thing under the circumstances, but it ended up hitting my account at the same time some other bills did — sometime within the last two weeks.
I just deposited a $700 paycheck, and got my balance back as $175, indicating that I was around $500 overdrawn until my check went in — and another $650 in rent is due in about a week, with my next paycheck not appearing for another two weeks. ARGH!
Gah. It’s just frustrating. I’ll make it through, though it’ll probably be with a few bounced check fees here and there, and hopefully should at least be caught up to paycheck-to-paycheck living (rather than last-paycheck-to-last-paycheck living) within the next couple of months. I just hate being in the situation I’m in now.
Anyway. Just had to bitch and moan for a few minutes. Sorry ’bout that.
Nothing to see here…move along…