A lot of folks are looking forward to some kind of Holiday cash bonus. This is big deal for me as it is for most. This can be tempting to be silly and buy or blow it in any way. When you are not used to having extra money it may make you use poor judgement. I do not think I will be getting much back on taxes this year. I should probably pay off one or two small credit cards. Then take the money paid on those bills and apply it to the next lowest balance. Then roll it to the next.
All this sounds great if you can apply it. Something however always pops up and by March I am pretty much hand to mouth again. I have tried and failed many times. I have about six hundred dollars of dental work that has to be done. I will try not to fail this year. But I most likely will fail. Because when I pay the dentist I will have used up my credit card paying fund. Then I usually get new glasses in January The annual visit to the optometrist ends up costing $80 to $150 if I end up getting glasses or lens with the deductibles.
So as you see I have more than plowed through the bonus I will receive. Top it off with the fact I have double downed on a couple of credit card bills and poof. Broke again. Add to it a couple of stupid purchases I made because I deserve it. It is the Holiday Season you know. By the end of January I am feverishly awaiting my tax return. Which was late last year.
Also add the fact that I already know that my health insurance, dental insurance, vision care insurance and long term disability insurance payments are going up. When the auto insurance is going to be renewed it will most likely go up too. Grocery bills are going up too. As a loaf of white bread is now $1.50 and milk is $4 a gallon.
All of these factors are going to more than offset the fifty cent raise I received last year. Causing me to have less money every week. Did I mention that my rent also went up? As has gasoline.
I do appreciate the holiday bonus. I was however in a position that I really needed it. One should not get themselves in that position. But just about everybody I know is in the same boat. So when that Holiday Bonus comes in think a minute. That warm fuzzy feeling of being quite wealthy will dissipate soon. You can find yourself further behind and nothing or no one to bail you out. I am a full time worker that is supposed to get forty hours a week. I have been scheduled 37 to 38 hours the last several weeks. Further dropping my weekly income.
If this is what they call a better economy I dread the future or if another economic meltdown occurs.
So as you see I have more than plowed through the bonus I will receive. Top it off with the fact I have double downed on a couple of credit card bills and poof. Broke again. Add to it a couple of stupid purchases I made because I deserve it. It is the Holiday Season you know. By the end of January I am feverishly awaiting my tax return. Which was late last year.
Also add the fact that I already know that my health insurance, dental insurance, vision care insurance and long term disability insurance payments are going up. When the auto insurance is going to be renewed it will most likely go up too. Grocery bills are going up too. As a loaf of white bread is now $1.50 and milk is $4 a gallon.
All of these factors are going to more than offset the fifty cent raise I received last year. Causing me to have less money every week. Did I mention that my rent also went up? As has gasoline.
I do appreciate the holiday bonus. I was however in a position that I really needed it. One should not get themselves in that position. But just about everybody I know is in the same boat. So when that Holiday Bonus comes in think a minute. That warm fuzzy feeling of being quite wealthy will dissipate soon. You can find yourself further behind and nothing or no one to bail you out. I am a full time worker that is supposed to get forty hours a week. I have been scheduled 37 to 38 hours the last several weeks. Further dropping my weekly income.
If this is what they call a better economy I dread the future or if another economic meltdown occurs.
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