Budget & Finance

Always Hitting A Wall

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I, like almost everyone (I think), spend all the money when the paycheck comes in.

No matter how much I expect a raise to give us some breathing room, there never seems to be any. The big hit this time around is the miscalculation of the rent. To have the three months we need I need to save $467/mo for the next three months. Less than most mortgages, for sure, but when it’s unexpected…it’s a big bill.
I’m not complaining, though, because Mr. Brickie is still working that (non-bricklaying) side job with his buddy and while I know it seems obvious to put that extra cash toward the credit card debt that’s been consolidated on two cards and is begging to be paid off ASAP, I keep putting it in our other bank just to keep track of it.
I don’t know how long that second gig is going to last. Last week he worked on it two hours a day for four days of the week and again for eight hours on Saturday. That’s going to be a $700 check.
Which is so. much. money. Holy crow!
After last week’s $350 that other account is up to $2,127.05 … a pebble in the ocean of the $17k of credit card debt to be paid off but a hell of a start.
The thing is, we have a possible opportunity coming down the line in the next couple months and I have to basically hoard cash in case we need it.
For all we know he might be working this extra gig through December. Or it might stop next week. It’s very up in the air and I don’t want to make the mistake of spending the money in the wrong way based on an incorrect assumption of how much there will be.
I feel like I’m in the middle of a crossroads surrounded by paths and I’m not sure where they lead beyond the first few feet and I’m stuck in place here in the middle and can’t move forward without more information.
On the bright side where I don’t feel all trapped, Mr. Brickie should be getting his next promotion (to a 90% apprentice) in mid-September. *throws brick shaped confetti which is basically regular confetti because bricks are rectangles* and will be one step closer to – and one step away from – becoming a journeyman. Once he gets that promotion, only 750 work hours will separate him from his final goal. Not his final LIFE goal but this goal, the one we started in another state, years ago.
It’s been a long journey and being on this side of the hump is absolutely easier on the heart, the mind, and the soul than being on the front end. Back when we tried to survive on him going through weeks of unpaid training (he got a $125/wk stipend for gas, I think) to starting at $17ish an hour, losing our house, moving, relying on the kindness of my online friends to afford first month’s rent and deposit so we wouldn’t be homeless.
To now.
We are mostly a regular family living a regular (albeit highly budgeted) life. He makes $36/hr. (a pittance in some areas of the country, a king’s ransom in others) and we are able to buy groceries and pay the bills.
It’s enough that I am able to sleep at night.