We’re cutting it just a little too close for comfort with our bills this month. So close that I’m trying to time the mailing of certain bills just perfectly so they are received after Jody gets paid again on the 15th, but before they are technically considered late. Actually some are getting sent late – the ones that don’t have any penalties for being received a couple days past due.
Like our mortgage was due on the 1st, but we have a grace period until the 16th. I mailed it today and hope that it gets there on Monday or Tuesday so the money is definitely there and we can avoid any late fees.
Ugh. How did we get to this point?
Seriously, I don’t think we’ve ever had a month this bad before. Usually there’s no worry about bills getting paid on time or having the money to cover checks. We’ve even been able to afford to send extra money to pay down our one credit card. But it’s back to minimum payments on that for a while.
I’m not sure exactly what happened to get us to where we are now. We did have a few larger purchases recently (a grill and a Dyson vacuum), but we paid for them using our tax return from last year. I think it may be as simple as living on one salary has finally caught up to us. Eep. (Although going over a year has certainly been a good run and I feel fortunate for that.)
Anyway, I’m carefully monitoring our funds and we’ll be living even more frugally for a while as we try to play catch up.
Jody is up for a raise in another month. I’ve got a small business venture in the works to help us make some extra money. And I need to continue to focus on a photography business, but I really am having a hard time with spending money on a new camera that we can’t afford.
I know it will all work out ok, but I hate feeling stuck between a rock and a hard place. Maybe I should start playing the lottery. :oP