So I feel like today is shame day. I'm looking for things lost, trying to achieve things I've been procrastinating. HOW DO WE DO THIS.
Ok, #1: Taxes are right now $615 a month. Flat. No ifs ands buts.
#2: Rent $1060, DITTO.
#3: Service on fixed personal loan, $210, SAME.
So $1885 before I get the lights turned on. That's scary, yo.
That number used to cover the electric, phone, internet, water, and renter's insurance, too.
Next section, semivariable things:
#4: $23 Renter's insurance, as required by our lease.
#5: $17 Venlafaxine
#6: $42 Delivery water, 20 gallons a month
#7: $260 Internet, phones, phone insurance, data plan
#8: $199 ACA health insurance.
#9 gas: $35 last month
#10 Electric: $112 this month
Totally challengable We could abandon these costs:
#11: Costco $55/year
#12: Amazon Prime $99/year
#13: Netflix $9/mo
#14: Panic $9/mo
#15: Dental $17
Now the shame, right?
Credit card Wells Fargo $764.09
Credit Card Capital One $603.21
Credit Card Citibank $3,107.70
According to the way I've been doing things, I should be paying those first two off MONTHLY and be paying the third one down $200 a month. This quarter? NOPE.
Finally, neither car is in good shape. The truck right now is not running at all. The car needs it's front axle/wheel structures replaced, A/C, and a transmission job.
Things I am not directly responsible for: Groceries, charlie's truck insurance, my car insurance (thanx mom), charlie's therapist licensure/CE classes.
I need help.
I actually cannot do this. I don't even know how to get to a positive cash flow.
In the Positive Column, I should have $3500 total with savings and checking after this quarter's taxes are paid.
I'm sorry! I don't yet have a job, but will poke if I get one, and will be glad to help then. Meanwhile, I'm sorry it's going on, and I don't think you need to be ashamed: things happen, and capitalism is the worst sometimes.