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Government Shutdown

January 11th, 2019 at 04:13 am

Though I’m not a government employee this shut down really has me nervous about what could come.

I’m in a number of financial groups, and other miscellaneous groups on Facebook. I have noticed that those who are effected by the shutdown, are posting that they can’t pay their bills. It’s really sad.

For me, I’ve been payed off twice and thankfully both times I’ve been able to pay my bill. This is the main reason why while on BS2 I add something to my EF, even if it’s $25 each pay day. My dad always said, even if it’s $10 you put something away each pay day and don’t touch it.

I can’t imagine working and not getting paid. But if that happens I want to be able to have some sort of cushion. I honestly think we are heading into a recession.

On a different note, I’ve knocked down CC9 to about $5,900, just waiting on a few payments to post before I update the sidebar. I want this baby gone. I’ve decided to start the 52 Week Challenge backwards and throw the money at CC9 each week.

The SO is still here 🤦🏽‍♀️🙄. For January he paid everything on time. On December 31st I had a conversation with him. I told him it looks like you don’t plan on moving. Nothing packed. I told him nothing has changed about my feelings and that I wanted him gone.

I told him that I am not going into 2019 trying to run him down for my money to pay the bills. If they’re due on the first, I want it by the 20th and no later than the 25th. I also had the same conversation two days ago. I’m not doing this crap this year. And the minute he misses he has to go. I plan on talking to him again tonight. Because I really need him to know that I’m serious. He’s a nice guy and all but I don’t give two cents that he refuses to stand up to his mother. I have a mortgage now.

Financial news, I paid the mortgage today, early. I added an extra $25. I know why? It makes me more comfortable knowing I paid extra. For me I want to pay the extra $25 every month. High balances on anything makes me nervous.

I also paid CC9 early added extra to that, and socked away funds to my sinking funds.

I got quotes from Progressive, car insurance, I can save about $100 if I switch. I’m going to review/compare my policies and coverage to make sure I’m getting the best bang for my bucks.

This week has been a good week. I haven’t dined out until yesterday. But 6 out of 7 days isn’t bad.

I’ll crunch the numbers, review the budget and see where I am today. I’ll share later.

13 Responses to “Government Shutdown ”

  1. creditcardfree Says:

    FYI, those NOT getting paid, but that are working, WILL get back pay once the government reopens. When that is, will be a guess. So important to have EF, and a reason that I dislike Dave Ramsey's $1000 EF, it's just too low. One reason you are going to do well, is that you are highly motivated and are willing to work hard and make changes if needed.

    I will point out that paying extra brings the balance down and saves interest, this would NOT serve you well in an emergency situation or layoff. You would have wanted those extra payments to buy groceries, ect.

    I'm sad that your SO didn't leave and you didn't make a bigger deal about it. So it sounds like now he can stay, but you have to babysit his payments every month? I would want him out. He should prove to you that he can make it on his own by getting his own place and paying the bills without a babysitter telling him when things are due. If he can do it on his own he is worthy of keeping. It's your life, so take my opinion with a grain of salt. We only know what you tell us. It just sounds so stressful not to know if he is going to hold up his end of the bargain. Not a way to live.

    I guess one more observation from your post. You state you absolutely want the money by the 20th, but then in the same breath say the 25th by the latest. You do realize you did not give him a firm deadline. You also said he must leave by Dec 31 and then you caved on that. Your words sound strong, but your actions are not. What is he supposed to believe? If it were me, I'd give him until the end of January. If on Feb 1, he wasn't out, I'd call and change the locks. I would tell him this over and over until the date and then follow through. If his stuff isn't out and he wants it he can make an appointment to come get it when you are not working.

    I need to check on a better rate for auto and renters insurance, too!

  2. CB in the City Says:

    My son is a government employee, but luckily his department is not affected by the shutdown, which is partial. I do feel for the folks who are not getting paychecks, but I hope everyone realizes that the employees affected will eventually get paid in full, retroactively, when the shutdown ends. So those who have an EF will be okay.

  3. AnotherReader Says:

    What CCF said about SO. My guess is you are counting on him as financial insurance. That has not worked out after 10 years and it never will. You are subsidizing him. He is keeping you from finding a better relationship. Time to move on.

  4. LuckyRobin Says:

    Don't forget to update your sidebar with the new credit card total.

    I think you're still in love with your ex and maybe he isn't really your ex. I think that's why he isn't gone. You may need to look long and hard about why you keep letting him slide past deadlines and why you keep giving him chances. I don't think you are actually emotionally ready to let him go. Otherwise you'd be packing for him and telling him what date you are changing the locks on and that if he hadn't moved out by then his stuff will be on the front porch for easy retrieval.

  5. crazyliblady Says:

    It's hard to say this, but I think you are enabling his behavior by giving him mixed messages and not getting him out. He is not holding up his end of the bargain in your relationship or the financial front, so he is like an albatross. You deserve to have a partner who truly respects you and meets you halfway. I agree with what luckyrobin said. Set a date for him to be out, give it to him in writing, and then change the locks on that date. No compromises.

  6. DW Says:

    I TOTALLY AGREE with all the above, with one caveat, we don’t personally know you or SO and you don’t know us.
    Based on the timeline of your relationship with SO, I’m sure your father met him. What advice would your father give about the whole situation? If you know it, then follow it.

  7. Amber Says:

    Everything you all mentioned about SO is true expect, I’m not in love with him I just feel bad for him. I know I enable him, I’ve told him that as well.

    He’ll never be able to live on his own, so long as the mother is around. No pun intended, I’m not wishing her dead but that’s the truth. After reading your comments, I’ve decided to tell him they’ll be no reminders, he can put it on his calendar. Add to his phone reminders what ever. Right now we are living as roommates, who split the bills

    Thanks for your honesty

  8. AnotherReader Says:

    He will never be able to live on his own after his mother is gone. He never developed that skill. He will find someone else to mother him when she is gone.

    You have to decide what YOU want. If you want a quality relationship, you have to look where those guys are. Church, business organizations, volunteering, wherever those men congregate. You deserve better than this guy, but you are going to have to get out there and look.

  9. DW Says:

    Amber, kudos to you for being transparent and acknowledging the issue.
    Just remember if he’s living under your roof and if something happens to him, he becomes your responsibility. Evicting him will not be easy.
    Research your state’s real estate tenant laws.

  10. creditcardfree Says:

    Yes, I agree it's very courageous of you to be honest with us. It's okay to feel bad for someone AND let someone leave your life. We all just see he is in the way of your path to financial stability which you really, really want. And if you don't love him, he has no reason to be part of your financial life, which as roommates he is.

    I'm very concerned he is not going to believe you with your next move out date. Acting different...telling him often of the move out date, would be quite a noticeable reminder. But I get that you don't want to babysit him, if only for one month, to get him to take action. I think the lack of communication for weeks he hears it as though you have forgotten, so if you don't say anything and he doesn't say anything than it isn't real. He's in denial.

  11. LuckyRobin Says:

    Okay, so if you are not in love with him he's not your problem. He can move in with Mama. He'll have to grow up pretty fast or they will both find themselves out on the street, but again not your problem. Don't feel bad for him. He is an adult who let this financial behavior go on and on and on. Even when given the tools to help himself, he doesn't. Pushing him out the door could be his wake up call, but I doubt it. You worked so hard to change. You know how much work it took. It doesn't sound like he's capable of the same.

  12. rob62521 Says:

    Amber, feeling bad for someone is nice, but when his behavior effects you, then it isn't healthy to have him around.

    As for paying extra on the mortgage...smart move. It goes directly to principal unless your loan is structured that it doesn't. And it is smart to have an emergency fund so when unexpected things come up, you can pay without hitting credit cards and personal loans.

  13. kashi Says:

    Just from personal experience, once you are living on your own, you will be amazed by how much less stressful your life is. Don't put that off for the sake of feeling bad for someone. It's not your responsibility to take care of him.

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