$$$

I need to make more money. We had to refinance over the summer and went with an fha loan. This is suppose to be a good thing. Well we had to roll our taxes and insurance into our payment. It went up $400. I thought we could do it. We can't. I've got back a lot, and yes there are still plenty of things to get rid of but seriously, wtf? Everyone is being very aware of shutting things off and not wasting. I quit smoking 9 months ago, this should be $100 back into the house a month. No more wine, no new clothes, yarn only when I have a coupons and I buy one at a time (one coupon per visit per "day").
Here is the list of things left to cut:

• internet $60/m
  
• house phone $30/m
• motorcycle $300/m
• karate $90/m

Internet and house phone I am so ready to let go of. Most of the time the laptop is picking up the connection next door because it is actually stronger than ours (I do not know why). The house phone, who calls? Bill collectors and telemarketers, anyone else can call on the cell phones. The motorcycle, thats hard, because we probably could not sell it for what we owe. It's Mike's thing and I really do not want to see him loose it. If we give it back it will kill our credit, or whats left of it. Of course we aren't buying anything and don't really need credit anyway. And karate, it's not really an option. Its only on the list because it is extra. But Kenzie loves it and really I think she needs it. It is beyond worth the $90 a month.

I don't want to live in the lap of luxary. I just want to pay the bills and have enough to take care of food, clothes and some basic extras. It's not going to get any better. Mike is looking at another hand surgery. I am going to really look into the First Pinnicle stuff from our camp friends. Not that the program is going to get me out of this mess, but I look at them and they see the light at the end of the tunnel and have a grip on thier finanices.

Since writting this the phone has rang twice, both credit cards looking for money. I had to put my tires on my credit card. Now I need to have them mounted, I can't afford it. We're going to call the Vocational school and see if they will mount and balance them for less if not free.

If anything the mortgage will get paid today, the 21st.....it's due again in a week.
Okay I am going to post this then come back and make another post about crochet. I want to get this out, but I don't want to look at it, lol. Sounds like the mail!