Monthly Archives: August 2015

Our Men’s Ministry at church

planned a Men’s Conference on Mother’s Day weekend! Can you believe it? LOL It’s all about the men, even on Mother’s Day weekend? They are actually meeting on Friday evening and Saturday till noonish, I think. That leaves Saturday afternoon/evening and Sunday. A lot of times we go out to eat but not usually on THE day, restaurants are too crowded and it seems those that do something special only take reservations and/or want to bump the prices up for a dish that’s already on their menu. Anyway, to avoid the crowds we’ll do something later in the week. I’ll call my grandma on Mother’s Day to wish her a happy day. Both our moms are deceased so there is no big get together planned.

We are located right outside Washington DC in Montgomery County MD, so cost of living is high

The student loans are mine $78k.

The loan is a advance from my job that was used to buy our minivan outright after our last year broke to beyond repairable. This was for 5000.00 and will be done in August. I pay 250 a pay.

We are under a contract with the phones until Sept. .. should I just drop it?

Cable and internet along with landline will be revaulated and adjusted tonight.

Our electric and water, I have tried to get down… its a struggle.

We use coupons and I am pretty good at shopping as I am providing for 7 people.

I think I covered anything.

Ok I will base this on take home pay ( after taxes and insurance)

Income 4400.00

Rent $1600.00
Electric 400.00
Water 170.00
Car Ins. 177.00
Cell phone 230.00 (3 phones)
student loan 267.00
Judgement 200.00 ( this has to be paid monthly or they will garnish my wages)
Cable/internet/ Landline $260.00
Groceries 600.00
Loan 500.00
Savings 50.00

Wow, after breaking it all out, its barely enough. With students loans (75K) and other Old debt adds up to about 100,000.00 I use no credit cards.