by minimus 122 Replies latest jw friends
Yes, it's hard to make ends meet. 2 years ago we got rid of all our credit cards and paid off both cars. So if we don't have the cash for it we don't buy it! Our bill consist of monthly ongoing things such as mortgage, utlities and food. When we have it we go out to dinner or movie. If not we stay home.
Right now we are doing ok financially but as we all know things can change overnight.
nj
Lola, yes, you've been lucky in getting a good job and lucky at having a lower paying rent. For some of us, we have tried and haven't succeeded yet.
Another thing is that the only reason I had to use the cards was to pay bills, I really don’t spend a lot just for the hell of it.
Here's the point I was making...you would have been in the same situation as some of us are in now if you had lost your job with the credit card payments. Which would you pay first, credit cards or electric? Credit card debts and fees will still be there growing every month.
We may "complain" from time to time...more like "venting"...but we are still out here trying to change things.
In my case, the only place I have to vent is online. I have noone in my life (except for my kids) to talk about some things I'm going through. It doesn't mean I'm not out there trying to change things. It doesn't mean I'm out there doing nothing about it.
I'm glad you have a great job (honestly I am) with bonuses, pay raises, and an employer that cares. As of yet, I haven't found one yet. Hopefully my college degrees will help out in that department. In the meantime, I have to make due with what I have...which is not much at all.
I know of sooooooooooooooo many businesses that have folded within the last year, it isn't funny. Many others seem to get by but JUST make ends meet every month. If anything ever happened to them, they'd lose their homes! It's very, very bleak no matter what President Bush says!
I know of sooooooooooooooo many businesses that have folded within the last year, it isn't funny. Many others seem to get by but JUST make ends meet every month.
My company stopped paying all the teachers because they're in a financial bind...of course this was with the idea of paying us back. Companies are having a difficult time and many around here are taking cut backs or being laid off.
Yet, I bet the President's State of the Union's address will make things sound hunky-dory.
See, the interesting part about this Min...is they were waiting...and waiting...and waiting for government "approval" for some things. This is what caused a mess in the first place. If the government had quickly approved their requests (which they will get anyway if they don't fold) they wouldn't have had to put our income on hold.
This is not a new thing. I've seen pretty bad economic conditions several times during my life.
Late 50's ---early 60's... the post war boom slowed down. I was a pup then. My dad had a hard time keeping a job... times were tough and work was scarce
Early 70's... after 10 years of boom times (Vietnam was in full swing and we still built and shipped stuff) we got double digit inflation. Nixon had to get price controls and work got slow. Then the oil embargo hit. Then heavy manufacturing (like bulldozers and such) jobs started moving out of the states.
Japan starts to spank us in the auto and electronics game... By the early 80's I dont think any US companies still buit TV sets in the States.
Late 70's early 80's... I graduated High school and couldnt by a job. After a while I got lucky and found work in the trades... plus did floors and odd jobs to get by. The Upper Midwest decays into the rust belt.
Twice in my life I have been totally tapped out... looking for a good cardboard box-tapped out. If you can keep your wits and find a job things work out.
Both times I had to borrow to move were work was. Drove some pretty crappy cars and didnt live where I wanted to either.
If things dont kill ya they make you stronger.
~Hill
No trouble here. My husband and I both work full time, and we save, save, save, just in case one of us loses our job.
Now that I am working in the Mortgage business, I see how so many go sucked into the subprime mess.
As I stated in a previous post, right now FHA loans are the way to go if you are in financial trouble, have a home, and need help.
Also, reverse mortgages for those 62 years of age an older are a better fix.
Anyone can pm me and I will tell you how either the FHA loan or reverse mortgage loans can help you, if you want.
Ronin1
Mrs. Flipper and I are doing fairly well. We get by and have a little extra . She has a Seamstress business, and my commercial janitorial business is doing well . We certainly aren't rich- but we are doing O.K. That being said, a lot of my profits are going in the gas tank as I still commute 5 days per week about an hour and 15 minutes to where I built up my business those years living where I was before marrying Mrs. Flipper . I spend about $30.00 per day on gas 5 days per week. Yeah, it's sick - $600.00 per month in gas for my vehicle. But, I'm starting to pick jobs up in this area now . It just takes time when you relocate. Everything is about adapting , life, finances , and the ability to deal with change . I feel for all of us dealing with this economy - especially those with kids. Mine are raised , thank god, but been there did that so I know lots of folks are having a lot more expenses than my wife and I . Hang in there everyone . Let's hope the next administration gives more attention to the economy than this one did
