I watched the VP debate with my dental bills spread out before me. I always want to help others, but in times like these, I really need to help myself. I had great respect for Joe Biden when he admitted that assistance to foreign countries could not be as great until we solved our problems at home. This is also why I really respect the Obama/Biden ticket for wanting to end the war quickly and carefully.
I also believe that I will have more money in my pocket under the Obama/Biden tax plan. Is it fair that big companies and people making over $250,000 get taxed a little bit more? No, I honestly can’t say that’s FAIR, but I’ll be perfectly honest… It’s really difficult to have sympathy for those people while I sink deeper into debt and the dream of ever owning a home slips farther away.
I don’t want their money. Rather, I want the money in my pocket that Obama is promising me. I want the regulations on Wall St and I don’t want my employer to pay taxes on my health benefits.
This is really not supposed to be about politics. It’s supposed to be about the money pit I’m in.
I am trying to think about EVERY SINGLE PENNY that I spend now. Last month was a disaster. I drove up to Eau Claire to visit my sister and we drove to the Mall of America. I gave myself about $100 to shop with. I spent $120 on myself. Not bad. Except then I also found Christmas gifts for people and spent another $60. I try not to give myself too hard of a time about that, because if it’s Christmas and if I didn’t spend it now, I’d just spend it later. Oh, and don’t forget about the $60 tank of gas I had to use.
The next weekend we went camping and had a tent disaster in which we had to BUY A NEW TENT. “Only” $30, but still. That Sunday was the Packer game that I went to. $200 for two tickets. It was a great deal, and I had to go. The value of the experience was worth much more than $200, but still… I had to empty out my accounts and David and I lived off my credit card for the next week. And again, with the tank of gas.
These are all things that I would have had money for throughout the year, but the fact that it all happened in two weeks was pretty tough. Still, I feel like I start fresh with each new paycheck, and so far I’ve done pretty well and payed off the extra stuff I put on my credit card.
I got the final crown put on my molar on Monday. So far, so good. My dentist wasn’t worried about it not “working,” and so I’m feeling pretty good about it. Until I added up all the bills. Between the root canal and the crown, the amount I’m responsible for is $760. That is a lot. I mean, A LOT A LOT A LOT. And I have dental implants to look forward to in about 5 years or so.
My dad might be able to help me out, but right now I owe him about $300 for my car and cell phone (David and I just went on his family plan to save money.) So to be fair, it’s a wash. I have already paid about $400 on that dental bill, $200 from my savings and $200 on my credit card.
So now I have another $360 to deal with. It will have to go on my credit card, because my savings is empty. I had been hoping and dreaming about paying off my credit cards by next summer, but now it doesn’t look like that will happen. It is so frustrating, because I just want this debt GONE.
A couple months ago I was feeling good about paying it off and saving for a wedding sometime soon and taking a nice trip for David’s golden birthday. Now I don’t know where I am anymore and it’s frustrating and a little heartbreaking.
I’m trying to take it one day at a time. Do I need that cup of coffee? Why would we pick up dinner when we have a box of Mac & Cheese at home? I guess that’s all I can do right now, and hopefully I’ll be halfway out of this hole again sometime soon.
Whew. <end pity party>