Money comes and goes. Lately it seems that more goes than comes. I have tried various ways to budget and track spending. I just can't seem to make anything really work for me. (Yes, I have tried YNAB and EveryDollar.)
Right now, I have an excel spreadsheet that I track income and deduct monthly bills. If we don't overspend, we have a small surplus. But something always seems to come up. I budget on 2 paychecks per month and don't include unplanned extra income. Unplanned extra income means expense check surplus from my work travel and any amount over $500/bi-weekly pay check for my husband. He works an hourly paid job at a big box store so work hours vary each week and pay period (some weeks he gets 20 hours and some weeks he gets over 30 hours).
The way the budget is set up, we are living on last month's income and I automatically put money into savings (a little, but still). I rarely have to transfer money from savings into checking to pay bills. But I am still stressed on squeezing out more savings....or providing extras for my family.
We don't carry a credit card balance and we use the credit card for everything. It helps me track spending but when you get a $5,000 credit card bill, it takes my breath away. I have talked to my husband about paying cash but we both are uncomfortable carrying large cash amounts around. I get uneasy if I have more than $50 in my wallet.
I'm stressing over money because I wonder how we could afford to live if we were to separate. At 15 years, our marriage is stressed and we are functioning more as roommates. I keep dreaming about divorcing. Clearly, based on income, I would have to pay some sort of support should we divorce. Life would definitely have to downsize. I need to put my "big girl pants on" and have a serious conversation with my husband. But, I am afraid of the outcome.
I don't know what to do. I don't know if I feel this way because of horrible menopause or if I have really fallen out of love for my husband. I need to pray on this....
I am sad. I am stressed. I continue to function...
Sorry y'all...this money blog has turned out to be more therapy.....next one will be better....
Stressed....
February 1st, 2019 at 02:09 pm
February 1st, 2019 at 03:06 pm 1549033601
February 1st, 2019 at 08:14 pm 1549052044
February 2nd, 2019 at 01:26 am 1549070797
February 2nd, 2019 at 02:03 am 1549073009
February 2nd, 2019 at 08:17 pm 1549138639