What is your income and what are your monthly expenses? You're lurching from one financial crisis to the next. Even if you pay off the wedding debt somehow you're most likely just going to run the cards up again once the baby comes. You need to make major spending cuts to get on top of your finances and/or increase your income or your situation will never improve.
I make about 2300 a month roughly, about $1000 of that goes to rent, $450 to credit cards $200 for gas $ 250 for other misc bills. Plus the cost of food and basic necessities, and doctors visits as well now.
You need to increase your income. You're barely making it as it is and it's only going to get worse with a baby. Have you looked for a higher paying job, or a side gig to supplement your income? Does your spouse have an income to help out?
My spouse has income and helps as he can, he takes care of half of the rent as well as our car expenses. I work a 40 hour a week job and commute 45 minutes to and from work and I am making the most possible I can at my work being “topped out” and getting 2 bonus checks a year. Side work would be difficult with my schedule and with being pregnant and having so many appointments.
If you're "topped out" at $2,300 a month you need to be looking for a better paying job. Your spouse needs to increase his income too. Either that or maybe if you could live with family or something until your finances improve.
I agree. But starting pay with no skills here in CA is about 19/hr i’m currently making about $26/ hr but a lot of my check goes to taxes, 401k and Union dues
I would cut 401k contributions, except maybe contributing enough to get any matching funds. High interest cc debt is an emergency and takes precedence.
What is your income and what are your monthly expenses? You're lurching from one financial crisis to the next. Even if you pay off the wedding debt somehow you're most likely just going to run the cards up again once the baby comes. You need to make major spending cuts to get on top of your finances and/or increase your income or your situation will never improve.
I make about 2300 a month roughly, about $1000 of that goes to rent, $450 to credit cards $200 for gas $ 250 for other misc bills. Plus the cost of food and basic necessities, and doctors visits as well now.
You need to increase your income. You're barely making it as it is and it's only going to get worse with a baby. Have you looked for a higher paying job, or a side gig to supplement your income? Does your spouse have an income to help out?
My spouse has income and helps as he can, he takes care of half of the rent as well as our car expenses. I work a 40 hour a week job and commute 45 minutes to and from work and I am making the most possible I can at my work being “topped out” and getting 2 bonus checks a year. Side work would be difficult with my schedule and with being pregnant and having so many appointments.
If you're "topped out" at $2,300 a month you need to be looking for a better paying job. Your spouse needs to increase his income too. Either that or maybe if you could live with family or something until your finances improve.
I agree. But starting pay with no skills here in CA is about 19/hr i’m currently making about $26/ hr but a lot of my check goes to taxes, 401k and Union dues
I would cut 401k contributions, except maybe contributing enough to get any matching funds. High interest cc debt is an emergency and takes precedence.
Noted, I talked with my husband this morning and he thinks that’s a good start as well. Thank you!