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Figuring out what to do..

June 11th, 2009 at 02:55 pm

First of all, thanks everyone for your comments on my last blog... I really, really appreciate it.

So as a comment said, hopefully I can FOCUS now. There really is so much going on... bills and otherwise, so focus is important.

My fabulous mother has offered to lend me $1000... very, very awesome of her! Tonight I'm going to go through all the current bills, all the back bills, so I can try and figure out exactly where it should go. This is sort of the situation, as far as I know.

First, my cell phone has been shut off for nonpayment. It's under contract (ugh!) but I still can pay roughly $300 to get it turned back on. If it's not paid soon, then I'll have to pay the ETF. I'm hesitant about it because the other line is my husband's (read my last blog if you want to know about him...) and I feel like why should *I* pay for BOTH our phones to be turned back on?? I can't cancel his line because it was part of the contract, or so I was told. We pay a huge amount monthly for the phones, and I'm trying to figure out if it would be better to pay it, shut them off, pay the EFT and get a pre-paid phone and use Skype... which is what I have been doing recently because I couldn't afford to get the phones back on. So that's one option that the money from my mom could go towards.

Secondly is this stupid furniture payment thing. I owed maybe $300 or so when I missed one payment, and... well, you know how they compound the charges, took away my 0% interest and the charges keep mounting. I'll have to check a current bill to see how much exactly is owed to them. I could get it current and then start paying the minimum until it's paid off.

Third option is get current on the electric bill... not sure how much that one is. They just seem to be happy as long as they're getting SOME money.

Other option is get the stupid leaky faucet in the basement fixed!! ARGh, I noticed it last night and it's dripping a LOT which would def. explain the disgustingly insane water bills I have been getting. Argh. But that seems to pale in comparison to the late bills and such...

I just don't know what to do. I want to use the money in the best way so that it will take even the smallest amount of stress off my shoulders...

Tonight I'm going to do a lot of cleaning, organizing, getting things in order and seeing where I stand... *sigh*

9 Responses to “Figuring out what to do..”

  1. creditcardfree Says:

    My first thought is that electricity is really important. I would definitely put that first on my list.

    I'd give more advise, but I think I need more information with actual numbers. One thousand dollars doesn't always go as far as we think it will. Very, very nice of your mother to help you.

  2. lizajane Says:

    I agree that the electricity is important. I don't know what to think about the phone, so I'll skip that one. As for the furniture, could you catch it up and call and beg them to reconsider the rate. I know you probably won't get the 0% back, but even if they could waive some late fees and drop the interest back a little due to circumstances, it might help going forward.

  3. whitestripe Says:

    isn't it funny that the most important bill of them all, the electricity, is the one that doesnt seem to give you much trouble? that they are happy to be getting some money?
    i would call them and explain your situation, if you are owing them money as well. it would be my first priority. they will probably be nice about it. so pay what you can of the electricity first.
    i havent read about your husband but i will go back now and do that. but i am guessing you dont want to pay for his phone. in your situation now, it would be best to get a prepaid phone so that you only get credit when you need it. i am not sure how phone contracts work there, but call them and see what they can do.
    the same as creditcardfree said, actual numbers would be much more helpful.
    best wishes for you.

  4. dmontngrey Says:

    Definitely electric first, but FIRST you need to find out how much you owe WHO. You wont be able to effectively plan out that $1000 if you don't know what you're working against. The last thing you want to worry about is getting the phones turned back on. Yeah it sucks, it'll hurt your credit, but you'll have bigger problems if you don't deal with the electricity bill.

    Got a friend, or even some courage inside of you to take a look at the faucet yourself? I've never done it myself, but I've heard they're not that hard to repair. You can find instructions on how to do this online.

    Good luck, hang in there, this all WILL work out! Smile

  5. personal essay Says:

    You should do the same cleaning in your accounts to find out how much and where you should and only then decide what you should do first and not allow delays in payments.

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    Today you can choose different options, which are the most helpful for you. My personal opinion is that this blog is the most cool.

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