Long story short? Unexpected medical bills and unavoidable expenses are now sitting on my credit card. Yes, I have the money to pay it off in full from savings, no I don't want to actually remove money from savings. Especially when it was so hard to get it in there in the first place (a max. of 25 a month from regular income is not a lot). The money isn't due for another couple of weeks, so I'm still on the fence about it, but I'm thinking I won't. Shame! Any way you swing it, 600 dollars is a lot of money to pull from savings. I don't think I'll be able to do it.
But there is hope. Which is why I love September. BF recently got a part time (or full time, if he wants… he basically takes as many jobs as he wants) gig doing something that's great for him. He can still write (he can even write AT work, something his boss told him he was allowed to do), and make pretty decent money all while making his own hours. Meaning, if there's work he can do it, or not depending on if he has a meeting or something. Now, he hasn't actually started yet (he does a day or two of training next week), but we're holding out hope that he'll be able to bring in 1-2k per month. Folks, that's HUGE since we've been living off my income alone for… over 4 years now. We've drawn up a budget based on him bringing in 1k. We can have our debts paid in full by the end of this year. By January, we could be debt free (er, except my teeny student loan).
So we've made a plan. We're going to bring our current e-fund up to 5k. That's only 500ish dollars. Then we're going to put every extra cent towards debt. We're shooting for December. If he can bring in more money, we could be debt free a lot sooner. I'm ecstatic.
After that, we're going to bring our e-fund up to 15k. It'll be a huge relief. I spent much of August in a panic. Like, anxiety in the pit of my stomach, spending each moment of the day worrying and feeling sick. It was the least fun month ever. Hopefully those days are soon behind me.
Yes, this job could fall thru. It could be slow, and he'll make only a few hundred a month (still a little better than nothing, right?). But we have hope that it'll turn out for the best. I really hope this is the beginning of good things for us. We've decided not to get married until we're 100% debt free… AND flush with savings. And with the ability to pay for our (small) wedding, (big) honeymoon and expensive diamond (selfish? whatever). It could take years, but we'll be better off. I'm so sick of dealing with the stresses of not having any money.
So much so, that we're also canceling cable and netflix (gasp!), downgrading our internet (admittedly, I think this will frustrate me more than it's worth, so we'll see… we have the fastest internet available and it's still slow), and bf found a new health insurance plan that's 50 dollars cheaper. This will all help. We've considered moving to a cheaper apartment, but don't yet feel like it will be worth it. Obviously we can revisit this is we really need to.
Cheers to optimism!