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Stressed!

December 24th, 2007 at 07:12 am

Thanks goodness for my Net Worth progress. Yeesh. It really helps to look at the big picture. BEcause the small picture is stressing me out. (Though the big picture looks good?)

I am just looking at the checkbook and feel in the red. I am in the red. I have no idea what my bonus will be today (probably not much) and no idea what my raise will be come Jan. 1. ??? It could make all the difference.

I have considered taking a few hundred from the emergency fund. Not much, and I could put it back soon enough. But, then I am thinking, I have to replace my windshield now. I have to get LM into the dentist (just dreading this in every way shape or form - he has an extra tooth - and I just don't want to go there with my baby. What could they possibly do that wouldn't hurt him? Frown I've been through it all and so it is hard to put him through it. But he's 2, and if there is anything preventative we could do...)

So I am just like, how in the heck are we going to pay for all this stuff? Preschool in insane right now (though it will help me to work more overtime, which is the whole point).

I just feel cash poor and it stresses me out. Drained our short-term savings for all the bills, and it will be tight until April. Interestingly, there are no bills over the summer so the short term savings grows quite large in the summer and gives us wiggle room. We will also pull BM out of preschool in the summer, in prep for kindergarten, and I will also get my overtime bonus in may or so. So come summer it will all be looking rosy.

For now, I just feel bad because we got all this Christmas money and my checking account is in the red. Bah. I feel like I failed this year because I Was going to save all that extra money. Put it to retirement or something. Instead it is al bills bills bills.

But really, the worst of all, is the idea of touching the e-fund. I just have to breathe. I Was going to start funding our car fund with my overtime. I was going to get a hefty $5k start in the Spring. So if I have to take an advance on that to repair my windshield, the world will not end. IT's the only way I can look at it. & same for LM. If he needs some work, and it can't wait. I guess, emergency.

For the long run this is not the kind of stuff efund is for. But until we build up more cash, guess it will do. I just have to remember summer will be more favorable. & this time of year is crack down for us. (Save for this preschool thing). I am way to flipping busy to do anything or buy anything. So here's to the next few months).

I think I am just disappointed because I thought I was moving past these stressed out meltdowns. Guess not!

But yeah, I just feel stressed. I couldn't do credit card debt. I think I would have a coronary. I just get this way when my money moves backwards. & I am really stressed at work. So I guess the stress is just carrying over...

2 Responses to “Stressed!”

  1. Broken Arrow Says:

    Awww, there there. I don't think you failed at all. You know, sometimes things just slip into the red, and you know better than I that it's only very slightly.

  2. baselle Says:

    I hate touching my savings too. To me it not only feels like going backwards, but it feels like a dam breaking, like if you touch it a little bit, you'll touch it a lot. I think the expenses that you blogged about though constitute emergencies, especially if you know that if you delay it will cost a LOT more.

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