That is a very dangerous attitude. And after spending a bit of time this evening making a PLAN, I'm reinvigorated. I hope.
BF and I had been putting 30% of his freelance income away for the horrible job he had last fall. And it's been sitting in our ING account ever since. But it turns out that they decided not to claim him, and will not be issuing a 1099 (which was confirmed with a query to the office). While we're waiting to hear back from his accountant (an expense his mom covers) to see what, exactly this means, we're sort of (really) hoping it means that we can take that money and pay off ALL of our credit cards by June. What a relief that would be! Hopefully we'll hear back from the accountant this week.
Either way. I've drawn up scenarios and budgets and figured out exactly what's what. And that helps ease my mind slightly. Ever so slightly.
Let's just say, for fun that this money can be used for our cards. That means that I can start saving money again! Our immediate goal is to bump up our savings to cover a months worth of expenses. Yes, it's small peanuts, but it would make me feel better considering the 1k we have now does not even cover a month of rent. Obviously we're playing with fire here. After that it's to bump it to 3 months. Then 6. Then a year. But I expect that it will be easier and more motivating to go month by month. And this will take some time, indeed. But at least I'm sort of getting motivated again. I get so frustrated and depressed and holy cow… stressed when it comes to finances. It sucks, and I'm tired. I sincerely hope that by July things will be better (does that seem like a long ways off).
BF is spending the week completing a first draft of one of the many screenplays he's been working on, which will be wonderful (and we suspect, very marketable, further confirmed by the producer who is already attached). The company he is working for will be sending work over for him this month (which will net a few grand at least). And that's the other thing. Every single cent he makes we've decided to put into the e-fund. So while the checks are few and far between at this early stage, it will be tremendously helpful. And hey, he DID just become a bona fide member of the WGA. Which is a HUGE DEAL. Huge. I have never been prouder. So. We're just waiting for the day when we can look back at all this and laugh at how broke we were. Hopefully all the way to the bank. Wouldn't that be something?