Bill Shock

Right now we don't have much to worry about but we still worry, I don't know what it will be like for us when we have even more responsibilities. I keep telling myself I'll earn a lot online if I just put my heart into it. I hope for you and yours, that you can find ways to earn online to help earn some money for that coffee and pie. Why not ice cream or a popsicle or a nice snow cone? lol.

Snow cone sounds good Thanks for responding back to me and have a wonderful evening. I know it will work for us and yours. Take care Snow

I never want hubby and I to be nose high in bills, but I know that is just life. It seems you get one bill paid off and you get another, even if it is a bill for something you bought and wanted. Oh well, I guess we just live on and figure out somehow to get all the bills paid. We've only got to pay, wait I think I listed that already, lol, oh well.

I know. Thinking about your bills instead of what you were writing.

dont your hubby have thatins on you with his job? He should as most places do have a family plan!

Yeah, I was thinking about it, it seems like you get one bill paid off and more come in. I've not really had experience with this, but I've seen people go through this. Right now we're doing fine, we've not got many bills to pay. We've got one bill we're paying on and will be paid off by the end of the year, that's one less to worry about. We did a quote for health insurance for me, to go ahead and get maternity and all that, it would cost us about $500.00 a month with Blue Cross and Blue Shield. Wow, that is a lot, but I guess that's just life. We won't be worrying about insurance for me until I get a job, I don't guess, lol.

Do you live in the Phillippines? I remember a few discussions about the price of electricity going up. I am not sure who started them. I hope that you and your wife can figure out a way to have the electric bill go down. I know here atleast, when it comes to a drought, our county is put on like some sort of thing where we shouldn't use a certain amount of water. I'm not sure if the rate goes up for us if we do end up going over or not.

yes, that's right SC, i am from the Philippines. the government had said that with the drought and the el niño phenomenon still happening, some of the electric plants have to shut down or decrease their supply and that means the electric companies who supply the electricity in the household cannot prevent from increasing their rates.

Hi, I really appreciate your response. I've never actually thought about things that way. I am unemployed at the moment, my husband is the one who earns the most for us. When I was employed, I still mylotted and used my other earning sites because it did help give us that little extra to save. About the making ourselves a bill, that is a good idea. Putting money away in the "Spent" section of the budget, well we don't have a budget, but you get what I mean. I figure it will also be extra money to fall back on just in case the savings well is dried up, or you don't really want to use that. We're just now getting bills, the most I've ever had to pay is a cellphone and for food. For my husband, it's only been gas. Now that we're married we're getting more bills just trying to get ready things started for our future.

Oh you are most welcome. I hope you all can figure out a good reliable way to budget your expenses. Its always good to also total all your expenses and divide them all by 12 months, so that you always know how much goes to the expense budge out of your earnings, that is savings and all.

Hi, The good people here at mylot have directed me to some great sites to help with budgeting and understanding finances as well as being frugal. I would love to learn more though I am not sure I'd like an MLM, I've heard they are just schemes. Really there's not much we need to do right now, that is to say, my husband and I have things handled for the most part. For me though, I am always thirsty for more knowledge to prepare myself and my husband for future things we will need to pay on.

whoa MLM is a schemes? well that's your opinion, but are you aware that you are in a MLM now?

I think renting would be a nice start, and actually buying a home would be better once we had the funds available. We still have the plan of getting our own place (a doublewide) but the more I think about it, the more I think it might be better to rent a place first. Provided we have a good landlord, it'd be a good experience, and of course as long as we could stay on top of all the bills. I've not talked to my husband about this as a possibility, I don't want to stress him about it. I figure once I get a job and have worked there for a few months, I'll think it over again myself and then present the idea to my husband. I've looked online for places for rent around us. There are some nice looking houses, one that is only $900 where others are $1000 for rent. I am almost certain if I got a job that we could sldie by with the $900.00 rent a month provided we also save up for some of our bills beforehand (before jumping in) and also saving just for the rent itself. The house has been for rent for a few months, not sure if it's the location or just what, if I remeber correctly (I've looked at a few), the house is about 10 minutes from where we live now so 10 minutes closer to my husband's work.

My husband and I are just starting out and there's a lot of things we still don't understand. We know one thing is for sure, bills are a constant. We live with his parents still, I believe I've said this a thousand times, lol, but I like to let people know this so they understand how "innocent" we are. We live with them and have seen from them that no matter how much money you can get, things come up and sometimes bills have to be shuffled around and "priorities" have to be made. We've helped them out a little bit when needed. We are almost always paid back. When we aren't, we've made an agreement to pay for something, and then they pay for something of ours. I'd love to jump out there and get our own place, but with me not having a job I'm afraid we'd sink before we swam.

Right now we don't have a budget written down. We just kind of figure it up as we go. We only have a few bills to pay anyway. When we do have more bills I am sure we'll sit down and try to figure out a budget from everything from groceries to gas.

I have told my husband that when we have our own place I want to start being frugal. Right now we still live with his parents, but we just got a car so we're having to pay two more things, car insurance and of course for the gas. We've not started to budget yet, but at this point we just kind of calculate in our heads what money is available to be spent or saved after we get done with our bills. Here the car insurance we pay for six months. That is a good idea to figure out how much it would per month and then have that saved up somewhere so that we know we have it. Actually we could figure that into our budget, when we make one, so that way we always have that amount as "spent money" so that it can't be touched. We don't clip coupons as we dont' do the major shopping around here, only what we want, which is usually never all that much and hubby uses his discount card for us to save. We have clipped coupons when we were living somewhere else, and it did help us save that much more. Once we do get on our own I am sure I will be a coupon clipper, I know I've heard some stories of people who have saved so much on a grocery shopping trip, the store actually owed them money. I am not sure how people do that, I am sure it's with being strict on what they buy, and buying things only on sale or with a coupon.

I don't know if I could cut down the spendings to bare basics quite yet. My husband and I are busy earning so that we can do both and be happy about it. We figure if we buy our wants and needs now we won't have to worry about so many things (we'd need to buy) once we do get our own place.

When I had prepaid I was never able to buy minutes for it. Of course I also didn't have a job. However, it seems like it just sucks up your money. I am not sure, maybe you've got a better plan or something with prepaid. As it is now, only certain cell companies work where we live, which is fine with me!

If it is not a regular bill that comes up, it is an unexpected health bill, a lay off or a home repair. You are wise to keep up on the mortgage. Everyone has different circumstances, but life seems to keep happening to us all.

randylovesdar, I think somehow I've confused you, which really with me it isn't easy to be confused. We're not in debt, actually we're doing pretty good. I just feel like we're paying bills and not able to do other things... That's not completely true though as I was able to buy a game for myself, my husband was able to buy four games for me for my upcoming birthday, and we still have money.. just nothing that we can say put a down payment on that double wide we want one day. I made a deal with a member here, we'd both get what we wanted by the end of this year, that doesn't seem like it's going to happen but I still feel proud of my husband and I for what we have accomplished.

We don't pay the cellphone bill we have, we don't use the phone that much as is. let me clarify, it gets paid, it's just not our responsibility. I've paid a cellphone bill for myself before, and it wasn't all that bad. I didn't have to pay any other bill so I was free to do what I wanted with the money I made, hah, if only I'd have saved it better, but well I was a spender back then.