the beginning of the backward slide.
I updated our current totals, which now reflect the bill we got for Bossy's supplies (and that is only 4 months worth) and the recent car repair. Add in a little interest...and it is a back slide of about $2k.
Plus, we found out that our mortgage company didn't pay one of the tax bills. They claim they didn't have it....amazing how in the 10 years we have had the house, and the mortgage has been sold off many times....and this is the first time. We have money in escrow, BUT, now that they have to account for another $800 a year, they are raising our escrow amount by $41 per month. Part of me almost wants to do another refi. Rates have dropped again, and if I compare mortgage rates, I might get a better deal.
I will have to call the medical company and set up a payment plan, but I have no idea where that money is going to come from. Ideally they want stuff paid on a rolling 6 month basis. I know they are going to want way more than we can give them.
I am estimating that our oil bill will be going up about $125 a month. Again...no idea where that is coming from.
In just over a day....our monthly expenses have skyrocketed.
Some hard choices will need to be made soon. Cell phones....probably cut down to bare bones. Cable....I have really REALLY been resisting getting rid of U-verse (cuz we love it), but we may have to. Land line....which is very rarely used but I have just been afraid to get rid of....probably will go.
I am running out of things to cut back.
Hopefully we will get a decent amount back on our car issues (boy has that turned into another mess). That may help some. We have paid almost $3500 in car repairs and maintenance in 7 months....and that is just on our credit card. That doesn't include stuff we paid cash for (some smaller repairs, oil changes, wiper blades).
Scared doesn't even to come close to my current state.
I may have to find a full time job. I have no idea how I will be able to handle that right now. I would like to parlay my current job into more hours...not sure if that will happen. But I need more income. Forget debt repayment....that is just to pay the minimums.
I have been really avoiding bankruptcy. I really really don't want to go there. But I may not have a choice. Just thinking about it is making me feel dirty.
Overwhelmed. I have no idea how others do this.....