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rcuomo70 wrote:
My wife's gambling problem is a non-issue now because there's no way in hell she will set foot inside a casino again.
Bzzzymom:
I have thought about selling the TV but I can’t bear to part with it (that’s a joke ). I actually do plan on selling it. we are actually having a yard sale soon, probably in about 2 weeks. I can’t stand looking at the TV anymore anyway because it just reminds me of how I wasted a perfectly good gift (the money from the settlement). I should probably get about $1000.00 for it since I bought it only a few months back for $1600.00.
After I posted this last night, we did have a discussion about money. She is not so far into gambling addiction that she will steal money to go, but I have told her that any money going out has to be agreed upon first and discussed. If she wants to buy a coffee, it needs to be discussed, a pack of gum? Discussed. She feels really bad about the situation, but I know I need to monitor all cashflow.
Instead of getting a night job, I am going to work overtime, because my work allows almost as much overtime as I want.
sidewinder, I do have a budget in excel already. A good one. My problem is that I’ve been ignoring the budget and a budget that gets ignored is useless. So I am going to follow this budget and cut down on unessesary items in the budget like entertainment money, gas (I can take the bus or carpool) and other things like that. I will cut down on groceries by shopping smart, which I haven’t been doing.
The Payday loans with fees are: $795.00, $795.00, $795.00, $795.00, $795.00, $575.00, $575.00, and $345.00. If I were to roll them over next month, I would have to pay a total of $670.00 for the fees alone. I am closing my bank account and informing each of them that I have done so and that sending the check to the bank will just result in a returned check. I have discussed with my bank and they said that I will incur no overdraft or bounced check fees from the bank, but perhaps a $25.00 returned check fee by the payday lenders. I will stay in touch with all of them and ask them to allow a payment plan but hopefully my wife’s parents will give enough to pay off all of them right away.
I am paid monthly so I pay all the bills at the beginning of the month, so I don’t need to split up the payments. So here’s a screenshot of my current budget:
http://img.photobucket.com/albums/v292/Rob8oD/Rally/budgscreen.jpg
Thanks everyone, I appreciate the support!
TexMontana:
Yes, I agree with you. I just posted what my budget currently looks like, before I cut items from it. We definitely cannot afford to have $200.00 in entertainment money each month. That will be cut. I posted the current budget to get suggestions and feedback. Our Cable will be cut to basic, but the phones are on contract and can't be cut any further than I have cut them. I am going to be contacting my creditors; definitely my mortgage company.
jmbfl :
I have looked into the implications of closing my accounts. According to the site www.paydayloaninfo.org, criminal action is not permitted in the state of Washington (where I live). It is a loan, plain and simple. A bad check would be if I found some old checks from an account I closed a long time ago and used those to obtain the loan, or if I printed some fake checks and used one of those. My only course of action to get a payment plan is to close the account first and then negotiate with the payday loan stores. Otherwise as soon as they get word I’m not going to pay it all upfront, they will start sending my check to the bank or trying to electronically debit the money.
I will definitely take my wife to GA. She is open to whatever we need to do and she will agree to go with me. (Heck, I need to go too, because I’m basically enabling her).