Financial Crisis On the Horizon

Laurie Childree By Laurie Childree, 25th Oct 2015 | Follow this author | RSS Feed
Posted in Wikinut>Writing>Columns & Opinions

Sometimes reading about the past brings the present into focus. We have to be strong as we find ourselves repeating past mistakes.

Reflecting on Issues at Hand

Back in 2012 I wrote about financial issues that were rather distressing at the time. After reading that page I realized that I have once again come full circle.

Then I was worried about 2013. It turned out that 2013 ended on a high financial note, and 2014 started that way as the result of a new job. To bad, I left that job when the stress of dealing with other issues got to be too much for me. I ended up being happily financially secure for a little while, then I let others interfere.

I bought a vehicle I would not have purchased instead of making a down payment on one. It was out of not having a choice, and my error became even more obvious as I poured money into it. The final straw came when it tore up and the repair was out of my budget range. I sold it, and the money well it was supposed to be tucked away for a down payment. Things went horribly wrong there and continued to go downhill relying on a neighbor that bled me dry.

Cutting Different Corners

Gasoline, maintenance, and insurance are no longer expenses thanks to not having a vehicle. All of these and a payment will be an issue once I manage to get one because walking everywhere with a child is not ideal. The down payment is the biggest issue since there is no way I can come up with it right off hand.

This is one of the reasons that I am writing, in order to pay off a few things so that I can make room for that payment to each month. I have several bills that would make up the payment and the insurance. Bills that I am tempted to allow to go to collections. The only problem is that will ruin my credit score.

How Much Money Do I Need?

At the moment, I need at least $200 a month to pay the bills in addition to the regular payments. How am I going to come up with it? I have no idea. Part of it is writing, and I noticed that the gas station is hiring. The thought scares me and my hours of availability are limited but I can manage to do something while I play the waiting game.

I am reaching the conclusion that I am healing. It is far better than being dependant on something or someone. I do not like the idea that in the last couple of years my inome has become limited to a pentince. I will manage what I need.

Back to Basics

I am taking cooking back to a level that I enjoy by including my child. She enjoys making things from scratch and that is what we will be doing. It is time to start lessons on housekeeping, and she will be learning a school type lesson with each one.

There are a number of things that I can do by hand even though we live in an apartment, and I intend to do them.

Therapy
The alternative therapy services that I applied for have yet to be seen, therefore I give up on them anytime soon. I am looking at alternative methods that do not involve so much time on my laptop for her to learn things.

Conclusion

Even though financially I am in a mess, I have a plan to get out of it. I will focus and work sixteen to twenty hours a day if I have to in order to get out of the mess that I am in right now.

I will not ask my boyfriend to bail me out of this mess that I created. I will however made it plain to everyone that the financial train has ended. I ate a large amount of debt recently because when the first payment was not made it was obvious that they were not going to pay the bill.

I am now working as fast and hard as I can to get out of the excess debt immediately. While we will not be doing without basic needs I do not want my child to suffer for my mistakes.

Tags

Budgeting, Disaster Budgets, Finances, Worries, Writing For Money

Meet the author

author avatar Laurie Childree
I'm the single mother of an autistic child a published author. I have a wide range of topics that interest me including personal finance, writing, self employment and creative writing.

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27th Sep 2017 (#)

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