smrisme

Posts Tagged ‘finances

Everything in my life has been going spectacularly…. Which has made me realize… when I am blogging constantly, sometimes daily, or even multiple times per day, it’s because I am in a bad place, emotionally, spiritually, or otherwise. When I disappear it’s usually because things are going wonderfully.

My job is going great, my kids are doing better away from their father and my relationship is happy and fulfilling. We have been spending enormous amounts of time together as of late, albeit due to her sacrifice of traveling to see me and the kids.

The kids have really grown attached to her. They ask when she will visit next, they ask to talk to her on the phone, and they talk about her in general conversation. She was so afraid to meet them for fear of rejection, when all the while I KNEW they would completely welcome and accept her.

Financially things have been rough. My friend and her husband have had to bring me and the kids groceries twice. My friend called some churches for me so I could find out who gives out grocery boxes and which days of the month. To go from my own 1800 sq foot home with a swimming pool, to seeking grocery hand outs and attempting to apply for food stamps has been quite an adjustment. Most of my friends see the well-put-together me, but they don’t see my internal struggle and embarrassment. Even this weekend, my bestie came over and his boyfriend looked in my fridge and said “hey, want some lettuce?” Embarrassing! And that’s pretty much all that’s in there, and it’s wilted lettuce at that.

Money is all I think about all day long. How to make it to the next paycheck, how to pay for this or that, what bill can I skip so I can make it to the next payday. I get angry. I get angry that I have worked my entire life to have everything and then have it all snatched away by my move. I sacrificed EVERYTHING I had to live in fear, self-doubt and insecurity. I’m afraid to not be able to feed the kids, I’m afraid they will get kicked out of daycare if I miss another payment due date, I’m afraid someone will break into my house and take what little items I do have (since I don’t have the comfort of a home alarm any longer)

I get angry at my mom. She was supposed to be here to help and support me. She was supposed to be my daycare. She was ADAMANT that my kids never go to daycare. Every month that I pay $1,300.00 in daycare I seethe. The cost of daycare is the crux of my financial issues…without that, the kids and I would live fairly comfortably as I don’t have much debt… a car payment and one credit card which only has an $880 balance.

I want so much for the future. I want so much for my kids’ future. The reality is, at this point I don’t even have milk in my refrigerator, let alone a plan for college or family vacations. I have places I want to go, things I want to see, places I want my kids to experience and I have no means to even think six months from now.

I think about all the little steps that will make things easier… The baby going to kindergarten will lesson my daycare by about $200 per month… the baby going to first grade will lesson my daycare by about $400 per month… and then the older kids getting to a point where they can be latch key kids…. That’s when our quality of life will hopefully improve.

It seems silly to say only three more years……. Somehow I have to get through this next three years…..

Today was SUPPOSED to be a good day. After weeks and weeks of searching ads online, etc., I finally found the PERFECT place. Even though it is over my budget, I was willing to go for it because there are so many positives.

Water/garbage/gardening/pool are all included, it’s the next street over from my house with him, and the kids wouldn’t have to change schools. Not to mention, I absolutely love the place!

I immediately turned in an application so as to get a leg up on other renters. But the thing is, even if the owner approved me, I am going to turn it down.

Any positivity and excitement I had was doused with reality tonight. The reality is, I will be alone with just me and the kids with no help and I have to be budget conscious, even if it means living in the ghetto, sharing a bedroom with my daughter, and removing my kids from their school.

I am alone in this and will continue to be so. Thank you for the reality check tonight universe.

These are the things that come to me when I lie awake each night pondering every aspect of my being and my future. Being trapped in my own mind is a horrible place.

Yep, that’s where I am living. Ultra Sensitive USA, population me.

I am trying to make plans and figure things out financially. I am trying to take steps for me and the kids to move out. I am trying I stay positive, but this all seems like such a daunting task.

For five days now I have been trying to get rid of my car I got in December. Being that it’s so new and I put zero down, I am upside down. Trying to find a dealer to help me bury four thousand dollars of negative equity has been a blast <;—- that was sarcasm.

I am going from a crossover SUV with a third row seat to a compact car. It's going to be a huge adjustment especially because I will be stuck in this car for five years and I will have two teenagers by then who will have to squeeze in the back seat with their then seven year old brother – ugh.

Trying to lower my payment, gas consumption and insurance payment all in one. There is a method to my madness, if only I can get someone to work with me and help me.

All of this has caused me a lot of stress. I don't feel supported at all, and am bearing the stress of all of this poorly. I know it but I can't change it either. I broke down and cried at one salesmen, talk about uncomfortable.

I am also crying at night, haven't slept in days, and I have lost three pounds since Saturday.

I have to get rid of the car by this weekend so I can avoid the $454 payment and $315 tags that are both due next week. If I can do that then that will save me about a thousand dollars before the first payment on the new car would be due. A thousand dollars towards moving out and divorce.

There is a method to my madness

Baby steps is what I’m taking. It’s not as quick as I want but it WILL happen.

Thursday I met with someone regarding a divorce. I didn’t get any answers as far as finances and what will happen but did get all the papers I need and some general guidance. The only bad news is that she recommended I not leave the house, the truth is, I don’t think I can even abide by that. I can’t stay here especially after filing. It will be a nightmare, as if it isn’t already!

Tomorrow I’m going to the car dealership to try and trade in my car I got in December. Although I love it and it’s perfect for me and the kids, I need to minimize my spending so I can afford to move out.

I also phoned my old job and asked for the forms to cash out my profit sharing account and roll over my 401k account I had there. I’m hoping that will net me about $3,000.

Slowly but surely.

Have woken up every day for the last week or so combing over Craigslist trying to find somewhere to move.

I have two choices. Either live in the ghetto and risk our safety, or live in a two bedroom and have to share with my seven year old daughter. I don’t want either option!!!!!

I feel like I am a damn good person and have worked my ass off since I was 18 years old only to lose everything. My home, my marriage, my sense of security. I know I know….. I will gain myself back, which is lovely, but I’d like my kids to have a place to lie their heads where they are safe and secure at night.

This constant staring at apartment listings and everything I CAN’T afford is just fueling depression badly. Yes I can put it off tomorrow, thereby delaying the depression too. I wish I could fast forward to six months from now.

Home is where the heart is….. Unless u live in the ghetto and a crackhead broke in while you were at work and stole your heart and everything else you and your kids own.



  • None
  • smrisme: If she didn't know I was hurting that would be one thing, but she knows. She called earlier and heard me crying. Since then, no call, no text to check
  • foreverlostgirl23: I'd say don't let her get to you but, seems she already had. I'm sorry though your not alone. I hope things get better you can email me if u need to t
  • smrisme: I just fear a lack of human connection will make our generation unbelievably cold and out of touch

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