We are so poor right now. My husband makes, like, $16/hr. and we have a mortgage that’s $1200/mo.
That doesn’t add up, trust me.
I need to get a screenshot of our excel spreadsheet, but in the meantime, let me introduce you to our bills. You will notice we don’t pay for cable and we just changed from Cricket ($82/mo. for TWO cell phones) to FreedomPop ($26.96/mo. for TWO cell phones with unlimited talk/text, 500mb data and visual voicemail ($2.49/phone/mo.)) I dare you to find me a better deal. DARE. I could have taken less voice and text service and gotten FREE FreedomPop service but my phone is a lifeline that connects me to friends and it is important to me. So that extra $27/mo. is a choice in my budget.
Here are my line items in the budget:
- Gas for the car
- Tolls for the commute
- Car Payment (trying to pay off by February)
- Guitar Center (need to pay this down/off very soon)
- Target (currently a $0 balance but it exists)
- Capital One Credit Card (balance is about $1k and is our current payoff focus)
- Student Loans (currently deferred until January)
- Car Insurance (I pay this twice a year because it makes me feel VERY grownup not to pay it monthly)
- Domains & Hosting Service for the blog and whatnot
I was able to do all that but the domains/hosting by memory. I don’t currently have groceries in the budget because we receive SNAP benefits (previously but NO LONGER known as food stamps, not that I’d care if they were) but that’s the one thing that would be added to the list otherwise for an even 14 budget items.
Come on and go through this journey with me. I am going to go from poor as dirt to doing pretty well and it will happen (God willing and the creek don’t rise) in about two to three years. So let’s do this together and you can see me not from when I decided to take all my money and make it work from me, but having no money and then getting money and making it work for me.
Sure, part of this will be a flashback, because it was a year-long process for my husband to get his current job. The one that comes with benefits and a little security. The one I’m so thankful for I want to drop to my knees and turn into an old timey religious zealot.
I’m going to detail it all. From not having cable TV to maintaining one Gold account for the Xbox because we feel it’s worth it. The decisions, the path, the everything.
Maybe those of you who know me will realize that being poor isn’t some kind of disease, but poor people are also not temporarily displaced rich people who should be looking to push down other poor people who they feel are “using the system” … the system exists for everyone. If you don’t need it, be thankful, don’t be a jerk.