Glee

In The Air TonightToday is a bad day.  We have $17.49 to last until the 15th unless something else comes in that I am not expecting. I am holding my breath until Friday.  In the meantime, let's talk about Glee.

Glee should do an episode that is focused on the piano player.  They should also do an episode with Phil Collins and/or Genesis.  I was listening to "In The Air Tonight".  The words would work for an episode that includes a story-line about the piano player - "I know why you keep your silence up, though you don't fool me."  Right?  Listen to it.  You can hear a story unfold there with a battle royal between Phil Collins and the Piano Player, without the Piano Player ever saying a word for the entire episode.  It would work. 

Re-tweet this so it will get to someone.  Thanks.

Cash

Search Amazon.com for gleeSearch Amazon.com MP3 Downloads for gleeToday my husband asked if we had any money.  He had all the money to begin with but he spent it all on going out to lunch.  He goes out to lunch every day. 

But then, I tend to think everything he spends money on is a waste while I am being frugal. I NEEEED all the songs from this week's episode of Glee, and my daily green tea from Starbucks is my anti-oxidant reward for working out.  Don is wasting money when he eats hamburgers and french fries for lunch. 

I know.  It's not fair.  I get angry because he never does without.  As long as we have been married, he has gotten whatever he wanted.  I've spent 25 years depriving myself so that he could keep living in a dream world.  I'm tired of sacrificing for the sake of my 53 year old kid.  It's time for him to grow up and live in the real world.  You can't have everything without paying some prices.  I've paid all the prices.  It is now time for him to pay up.

The Latest Crisis

It is the first of the month and all of our money is gone.  In fact, We will be in the red by the 12th of October.  There is nowhere to get money. We drained my IRA last month.  His boss was paying bonuses every month but quit that around March.

I called to cancel out pest control today.  When I told them I was canceling for financial reasons, they offered to cut their rate by 30 % if that would help.  I said, "Sure."  So I still have pest control and I still don't have enough money for October.

We have some cash from a yard sale we had in September but it isn't enough.  We have been rolling coins every month but I found a new can that we forgot we had.  Hopefully it contains more than just pennies.  This weekend we will open it up.  Pray for us, do a rain dance, wish on a star, whatever you do that you believe in because I have lost faith in everything, including my antidepressants.

The Beginning

It all began when my husband lost his job in Atlanta a few months after we closed on a new house.  He had trouble finding another job and I was disabled at the time and unable to work. He was finally offered a job in Houston at a 1/3 cut in pay but it was a job so we moved.


His new job did not include health insurance so we had to get private insurance which cost 25% of his take-home pay every month. It took us a year to get the house in Atlanta sold so we paid two house notes that took about 60% of his take-home pay. During that year, in order to pay our bills, we pulled money out of IRAs. Then we had tax penalties to pay. That meant credit cards. Even with insurance, we still had medical expenses of $10,000.00-15,000.00 per year.  That money wound up on credit cards every year.

Every year we went another $10-15,000.00 in debt, all on credit cards and at anywhere from 15-29.9% interest. Now we have almost $125,000.00 in credit card debt. Every time I see one of those shows where they held some poor person in over their head in credit card debt, they have maybe $30,000.00 in debt. I'd like to see one of those people offer to 'save' me. Give me some money.

Anyway, this is not going to be about how to fix your credit. Your already know what you are supposed to do. You've heard the Dave Ramseys and Suze Ormans tell you to spend less.  Pay yourself first by putting 10% into savings before you start spending, blah blah blah. You and I already know that. That is like saying, "Exercise more and eat less." It is easy to say but hard to put into practice.

I am going to post about the everyday struggles. The fights I have with my husband because he wants to go out to lunch every day and I want my Starbucks. Do we cancel cable? Is gym membership frivolous or is it health care? What is a reasonable indulgence and what is wasteful?

I am going to ask for comments and I am sure that I won't like most of what I get back but I probably need to hear it so y'all, please, read and respond. He will ignore it. It will probably cause more fights but that will give me something more to post.