Internet's first get-out-of-debt community - 116,000 members

Posted: Wed Dec 27, 2006 9:55 am

My insurance is 137.00 a month. I look at my bank account today and they hit my account for 250.00, when i called they said they automatically renew my policy. RATS. what do i do now. account 91.00 remaining and my other important bills are due too. The money in my account was to the tee. Now i am so short and so upset. What should I do. I have direct deposit and i can not afford to miss rent on the first but when my other bills come out, i am screwed.

Posted: Wed Dec 27, 2006 10:36 am

where is everyone. i need you

Posted: Wed Dec 27, 2006 11:56 am

Beauty - we are replying to your posts - if you could try to keep them to one thread, you would see a lot more responses. We're replying on all the other ones you've already posted.

Calm down, and take a breather...we're trying to help you the best we can.

Posted: Wed Dec 27, 2006 11:58 am

I AM SO AFRAID

Posted: Wed Dec 27, 2006 12:01 pm

I know you are, Beauty, but you need to calm down and take this one step at a time. It sounds like you've probably had a rough weekend, and all that has happened is clouding your judgement right now. Take some time away from these forums and let your mind calm down before you do something rash that you will regret later. Give yourself time to settle down, and then review the suggestions we have offered you. Start making those phone calls to local assistance agencies to see if you can get some help.

Posted: Wed Dec 27, 2006 12:10 pm

i am at work and in collections all calls are monitored. i went to my boss for help but no luck at all.

Posted: Wed Dec 27, 2006 12:11 pm

Beauty- I've been where you are and with a young child. Getting in a panic isn't going to help. You need to call,like the others said, and talk to your creditors, where you pay rent or mortgage, etc. Explain the situation to them and see what arrangements can be made. Your home should come first, then other outside bills. You can only do so much in a short period of time. Later you can decide what expenses to cut and re-budget since your husband is gone. And who knows, he may be back, but you need to take care of business for you now...KAren

Posted: Wed Dec 27, 2006 12:21 pm

i know karen but it is so hard.
it was a dramatic deal that involved his parents my mom and the police. he wants to come home but i can not let him until he gets better.
so my mind is a little cloudy.

Posted: Wed Dec 27, 2006 1:13 pm

BEAUTY1217

Sit down and figure out your expenses from now and until your next pay period. If any of the items you were planning on paying are automatic withdrawal, then call up the companies and ask to either pay a different amount, or to change the date.

Next, speak with your landlord. Tell them you'll be late on your rent, but you'll be sending in partial payment, and the rest will come on your next pay period.

Talking with these people can sometimes prevent further action if non-payment happens, and you're still in the hole.

You should also always try to keep a balance in your account at all times. That way if something does go through that you weren't expecting, this won't cause any damage to your day-to-day living.

Regards
Mike

Posted: Wed Dec 27, 2006 2:13 pm

Definitely take care of the rent if you can (or at least a partial amount like Mikey said above). The manager will most likely charge you a small late fee.Do what you can.

Posted: Wed Dec 27, 2006 2:27 pm

Also read your lease agreement. Most places don't consider you late till after the 3rd, and then they'll start charging your $3/day for each day that it's late.

Posted: Wed Dec 27, 2006 3:25 pm

i lost my job today

Posted: Wed Dec 27, 2006 5:34 pm

Your utility companies will most likely work with you. You'll probably have to cancel cable, or at least reduce your package. You'll have to seek out help from other resources though regarding your rent. And starting tomorrow will be your safest bet. Pay what you can on your rent. Social Services will be able to give you food vouchers, and send you to food banks.

As far as other debts, find out which ones needs the most attention.

Sorry to hear about you losing your job. Especially right after the holidays. Stick with it, and you'll be okay. Good luck on your new job search. You never know what the new year will bring.

Regards
Mike

Posted: Wed Dec 27, 2006 11:49 pm

Beauty, losing your job is not the end. Start looking for a new permanent one, but in the meantime, sign up with three different temporary agencies. If you have work experience, you will get assignments. The upside of working for a temp agency is that you get paid weekly. That should help with the cash flow. If you have a job interview come up, make sure your temp supervisor and the supervisor where you are assigned know that you have a "doctor or dental appt." I hate suggesting dishonesty, but being purely honest in this situation could cost your your temp assignment. Also, while temping, you could find a really neat new job where you are appreciated and the pay and benefits are just what you need. Temping is definitely a way to "try and buy" so to say. If you don't like the assignment, finish it out and move on to the next job. Most of all, start believing in yourself. We are not given challenges we can't overcome and I have a sense that you are a strong person and can handle just about anything that comes along.
____________________________
"There is only one success - to be able to spend your life in your own way." ~ Christopher Morley

Posted: Wed Dec 27, 2006 11:57 pm

Debhendricks01, nice post.

Beauty, Signing up with some temp agencies is an excellent idea. I worked for a temp agency when I became an LPN. I agree with Debhendricks. It's a very good way to get an idea of what's out there and to be able to "try it out" before actually hiring on with a company. At the same time, it would help bring money in quickly.

The best of luck to you.

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