 |
| FAQ/Help |
| Calendar |
| Search |
 |
|
advertisement
Forums Index
|
| Reply |
| Thread Tools | Display Modes |
|
|
Forums Index
|
| Reply |
| Thread Tools | Display Modes |
|
Guest
Posts: n/a
|
May 07, 2008 at 11:02 AM
#1
I need to get my financial situation straightened out. All I do is is spend impulsively.
HOWEVER, I need to go through my bills today, as I am off the whole day and have no (good) excuse not to. I don't want to do this and tend to keep myself in denial of my account balance by never checking it and then one day finding out that it is overdrawn. I start my new job as a therapist on Monday. I will be making a decent salary and things will get better (unless I blow it all). I need to use part of this day to sort out what mess I have here, with the money I do have. I need to "clean up" a few things in my life before I start this job. These bills are most, if not all, overdue and I need to do what I can to get it straightened out. I have said that every day for the last week. I have posted about my financial irresponsibility countless times. I'm not looking at the big picture right now-- I'm just looking at what I have to get done today. Help? |
 Reply With Quote
|
|
Pandita-in-training
Member Since Sep 2006
Location: Maryland
Posts: 27,289
(SuperPoster!)
18 550 hugs
given 
|
May 07, 2008 at 11:10 AM
#2
__________________ "Never give a sword to a man who can't dance." ~Confucius |
|
Reply With Quote
|
|
Q&A Leader
Member Since Jan 2006
Location: Here
Posts: 94,092
(SuperPoster!)
18 4,001 hugs
given
|
May 07, 2008 at 11:14 AM
#3
Just get on with it pink! 
__________________  Pegasus Got a quick question related to mental health or a treatment? Ask it here General Q&A Forum “Everybody is a genius. But if you judge a fish by it's ability to climb a tree, it will live it's whole life believing that it is stupid.” - Albert Einstein |
|
|
Reply With Quote
|
|
Legendary
Member Since Jun 2007
Location: Washington DC metro area
Posts: 15,865
(SuperPoster!)
17 2,857 hugs
given
|
May 07, 2008 at 11:16 AM
#4
PAY THOSE BILLS!
__________________ Now if thou would'st When all have given him o'er From death to life Thou might'st him yet recover -- Michael Drayton 1562 - 1631 |
|
|
Reply With Quote
|
|
Grand Magnate
Member Since Mar 2007
Location: Indiana
Posts: 3,921
17 273 hugs
given
|
May 07, 2008 at 11:32 AM
#5
Get off here and go pay those bills!!! We will be here when you get done. Think of how much better it will feel to know you have them taken care of....maybe make a plan on how you are going to manage them and set some financial goals for yourself. Good luck!
__________________ You don't have to fly straight...  ...just keep it between the lines!
|
|
|
Reply With Quote
|
|
Grand Member
Member Since Mar 2008
Posts: 781
16 |
May 07, 2008 at 11:37 AM
#6
Heh, that was me maybe 4 years ago! My husband bailed me out, otherwise I would be bankrupt by now. I still owe him about $25,000 plus my car.
Sit down, get all your bills together, and figure out the minimums. Just pay the minimums and get everything up-to-date so you're not paying any late fees. Then if you have anything left, pay down the highest interest rate one. Then cut up those credit cards so you can't use them. Or freeze them in a block of ice! Seriously!! |
|
|
Reply With Quote
|
|
Guest
Posts: n/a
|
May 07, 2008 at 11:49 AM
#7
My husband and parents have bailed me out 837439893426234354345 times. My credit cards are all cut up, but so what? I still have a debit card and if I'm not cutting that up because that's too dangerous to walk around without access to money.
How about I just throw them all out the window?? How about I shut up and get started? |
|
Reply With Quote
|
|
Guest
Posts: n/a
|
May 07, 2008 at 11:50 AM
#8
OK, here's the deal. I'm going to finish eating my lunch, then call my husband as I always do on his lunch hour, then I will take care of these bills, FOR ONCE AND FOR ALL.
|
|
Reply With Quote
|
|
Legendary Wise Elder
Member Since Dec 2003
Location: Coram Deo
Posts: 35,474
(SuperPoster!)
20 1,651 hugs
given
|
May 07, 2008 at 11:50 AM
#9
With any task that you don't wish to do, break it down into small parts.
Don't think about the whole task at hand. Now, what's the first thing you would need to do, in getting ready to figure this out? I would think you might need to gather all the bills together, or at least have a list of all the amounts DUE and when they are due. That's all you have to do right now. You can do that. Don't think about any of the rest of the job. __________________ |
|
|
Reply With Quote
|
|
Legendary Wise Elder
Member Since Dec 2003
Location: Coram Deo
Posts: 35,474
(SuperPoster!)
20 1,651 hugs
given
|
May 07, 2008 at 12:02 PM
#10
Sometimes getting rid of all of them brings on an anxiety and causes a binge.
 Overspending, as you noted, is a symptom of something else going on. Keep working on healing, and maybe you'll find other, better, ways of consoling yourself or getting that rush, or whatever it is that you do benefit from when spending.
__________________ |
|
|
Reply With Quote
|
|
Guest
Posts: n/a
|
May 07, 2008 at 12:02 PM
#11
(((((pink)))))
|
|
Reply With Quote
|
|
Legendary
Member Since Jul 2004
Location: dreamy land
Posts: 16,887
(SuperPoster!)
20 462 hugs
given
|
May 07, 2008 at 12:40 PM
#12
I'm a spender too, and I think it's to get that....'..rush...'..
I've been trying to cut back because of the baby and I've been doing much better, proud to say.. I'm going to get that link to the finance forums and check it out... __________________ 
|
|
|
Reply With Quote
|
|
Guest
Posts: n/a
|
May 07, 2008 at 12:43 PM
#13
Ok.... 3...... 2...... 1......... Go!!!!
 
|
|
Reply With Quote
|
|
Grand Member
Member Since Mar 2008
Posts: 781
16 |
May 07, 2008 at 12:51 PM
#14
LOL I love the sh* smiley!!
|
|
|
Reply With Quote
|
|
Poohbah
Member Since Sep 2007
Posts: 1,383
17 |
May 07, 2008 at 02:02 PM
#15
I find that opening the bills as they come in and writing when they're due on the outside envelope helps. Also, if you haven't already, set up bill payment online with your bank. Couldn't be easier.
Also, I happened across Suze Orman. She inspired me to enjoy saving, as much as I was spending. Good luck |
|
|
Reply With Quote
|
|
Veteran Member
Member Since Mar 2007
Location: USA
Posts: 349
17 |
May 07, 2008 at 08:57 PM
#16
 Definately agree with the auto bill pay. It does make it really easy. I'm not sure how big of a place you're going to work, but if they have direct deposit usually you can split the deposit so part of it goes automatically into savings.That doesn't really help you with getting stuff done today. Could you break the work into pieces like Sky suggests and after each piece give yourself a little (non-monetary) reward? Like a snack or a workout or watch a TV show you like. |
|
|
Reply With Quote
|
|
Grand Member
Member Since Apr 2008
Location: PA, USA
Posts: 959
16 |
May 07, 2008 at 09:05 PM
#17
What I do is pay all the bills first before I spend any money at all. I live off $637 a month which makes it tough so I never have any extra money for clothes, shoes, etc. Just the bare necessities.
I gather all my bills and only pay the current bills (rent, utilities, etc.). Those are what has to be paid. Then with the other bills I pay as much as I can on each. Always keep track of every tiny thing you spend your money on!!!! Don't go on a shopping spree!!! Resist those urges!!! |
|
|
Reply With Quote
|
| Reply |
This is an old thread. You probably should not post your reply to it, as the original poster is unlikely to see it.|
|
Similar Threads
|
||||
| Thread | Forum | |||
| Has anyone in here ever done Cognitive behavioral therapy? | Anxiety, Panic and Phobias | |||
| behavioral medicine unit + med changes = better? | Psychiatric Medications | |||
| Cognitive Behavioral Therapy | Anxiety, Panic and Phobias | |||
My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.
Linear Mode
