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hqueen13
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YES, FEM! And we've been able to keep going! So now we haven't eaten out since last Wednesday, at least not meals together. He spent $50 in the first 5 working days of the month, but we had a bit of a reality check conversation last night so I think that will stop again. I also stopped at Chickfila yesterday morning and got a biscuit for free because I had a coupon, and I bought hash browns, too, because they were cheap. I managed to pay for it with a dollar I had in my wallet plus change I dug out of my backpack!
SO yeah, we had a heart to heart last night about where the finances are. It all started when he began talking about getting a new(er) vehicle again, and I asked him what the payment would be on what he was considering. He said $400/month. I was like yeah, no, not in the budget what so ever. He gave me the exasperated "but where does all my money go!?" and I'm like well, half goes to the mortgage, then there's another $300 that I set aside for the car insurance, then there's the power bill, and the credit card debt bill, and then everything else is either gas, us eating out, or you eating at work, or spending it on the house. It goes FAST. Once I gave him a bit of a reality check about how much he's spent on building this dang shed he was like Oh. I'm like yeah, it goes QUICK when you aren't paying attention to it! I reminded him that he just needs to refocus what his priorities are and decide does he really want a greasy sandwich while he's working or does he want a new vehicle, or things for the house. I'd rather have the car or things for the house because I won't remember a greasy sandwich a week from now, but I will remember several years from now how my nice car got me around. If we stay focused we can maximize our money and really do a lot with it. The trouble is staying focused. I guess that's always the trouble.
I'm glad we finally had the conversation, though, so now we can figure out how to get back on the wagon and start making progress again. Now I just have to keep managing the groceries so that we can avoid eating out and we'll be doing really good. I need to do some planning around that this weekend because next week is going to be CRAZY busy with all the farm sitting I have to do and prep for getting ready to go away. I'm THRILLED to have the extra income in the business from the farm sitting, that is letting me breathe a lot easier for a little while, which is a really good thing. I've managed to be a month ahead on most of my major bills, so now I just need to get some of the smaller bills built up and I'll feel much better. Then I need to get the BF ready to finish the work at GH's house so we can get PAID for that and I can get the tractor down payment paid OFF, and have some extra funds to pay my accountant finally. I'm highly embarrassed to say that I haven't paid her yet this year. Things have just been not going all that well. I am grateful to say that G & SH hadn't been out of town nearly as much the past two months, so that means I'm coming out ahead, way ahead, on these months and that helps me tremendously. This is the time when the flat rate retainer is working out to my advantage! And it looks like I'm not going to lose any farm sitting while I'm away in a week or so, and that's even better.
Now if I can just make up the office time I'll be doing good. I'm busting my butt to make sure that I get as many hours as possible before I go. It's not fun, but it's just about all that I can do. If I don't make up any hours I'll be losing 3 out of a 6 day pay check, and cutting my pay check in half is not going to make ends meet! I also STILL need to have a conversation with my boss about a raise. I'm tempted to send him an email detailing all the projects I have managed in the past 2 years and tell him I want to be sure we go over this in our meeting... I don't know if that will work out in my favor or not. At least the business has mostly been doing good, other than purchasing the other practice which always costs money in the first year or so.
Just gotta keep kicking. No other choice, really.
SO yeah, we had a heart to heart last night about where the finances are. It all started when he began talking about getting a new(er) vehicle again, and I asked him what the payment would be on what he was considering. He said $400/month. I was like yeah, no, not in the budget what so ever. He gave me the exasperated "but where does all my money go!?" and I'm like well, half goes to the mortgage, then there's another $300 that I set aside for the car insurance, then there's the power bill, and the credit card debt bill, and then everything else is either gas, us eating out, or you eating at work, or spending it on the house. It goes FAST. Once I gave him a bit of a reality check about how much he's spent on building this dang shed he was like Oh. I'm like yeah, it goes QUICK when you aren't paying attention to it! I reminded him that he just needs to refocus what his priorities are and decide does he really want a greasy sandwich while he's working or does he want a new vehicle, or things for the house. I'd rather have the car or things for the house because I won't remember a greasy sandwich a week from now, but I will remember several years from now how my nice car got me around. If we stay focused we can maximize our money and really do a lot with it. The trouble is staying focused. I guess that's always the trouble.
I'm glad we finally had the conversation, though, so now we can figure out how to get back on the wagon and start making progress again. Now I just have to keep managing the groceries so that we can avoid eating out and we'll be doing really good. I need to do some planning around that this weekend because next week is going to be CRAZY busy with all the farm sitting I have to do and prep for getting ready to go away. I'm THRILLED to have the extra income in the business from the farm sitting, that is letting me breathe a lot easier for a little while, which is a really good thing. I've managed to be a month ahead on most of my major bills, so now I just need to get some of the smaller bills built up and I'll feel much better. Then I need to get the BF ready to finish the work at GH's house so we can get PAID for that and I can get the tractor down payment paid OFF, and have some extra funds to pay my accountant finally. I'm highly embarrassed to say that I haven't paid her yet this year. Things have just been not going all that well. I am grateful to say that G & SH hadn't been out of town nearly as much the past two months, so that means I'm coming out ahead, way ahead, on these months and that helps me tremendously. This is the time when the flat rate retainer is working out to my advantage! And it looks like I'm not going to lose any farm sitting while I'm away in a week or so, and that's even better.
Now if I can just make up the office time I'll be doing good. I'm busting my butt to make sure that I get as many hours as possible before I go. It's not fun, but it's just about all that I can do. If I don't make up any hours I'll be losing 3 out of a 6 day pay check, and cutting my pay check in half is not going to make ends meet! I also STILL need to have a conversation with my boss about a raise. I'm tempted to send him an email detailing all the projects I have managed in the past 2 years and tell him I want to be sure we go over this in our meeting... I don't know if that will work out in my favor or not. At least the business has mostly been doing good, other than purchasing the other practice which always costs money in the first year or so.
Just gotta keep kicking. No other choice, really.