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To much financial pressure

November 3rd, 2021 at 01:19 am

So I know many on here are pretty well off and congrats to you and others are doing okay and others live paycheck to paycheck, we do okay we are pretty good at never having much debt except the CC that we use every one in awhile...but I do pressure myself to put more money into savings..more money into my ice account etc...then I fall off the wagon and then have to restart...it is frustrating me...I know i do it when I am having a bad day/week...and if I put money into one area and not another then I get frustrated that I don't put it into those other accounts....it's just how my brain works right now...

Our bills are always paid on time (usually early) and we always have plenty off food but I think because of my illness the last 8 long years, that it has put us so far behind where we want to be that my frustration stems from that...now that they think we have figured out what is wrong with me it is going to take another 1-2 years to hopfully get back on track and maybe get well enough to go back to work (hopefully)...so I have decided to take the pressure of myself and every payday put money into each account and just be happy where we are at that time and that we will get where we are suppose to be in life eventually and just focus on my health and happiness.

So now I am going to go rejig my budget for the next couple of years and just take things as they come up and just focus financially on saving in all areas and see how it will work out...wish me luck...hopefully the pressure feeling will disappear and I can relax when it comes to finances again. 

Posted in Uncategorized | 3 Comments »

3 Responses to “To much financial pressure”

  1. LivingAlmostLarge Says:
    November 3rd, 2021 at 06:10 pm 1635963000
    1635963000

    It's like losing weight. Constantly a balancing act of watching what you eat and spend. I hate it too.

  2. VS_ozgirl Says:
    November 4th, 2021 at 08:08 pm 1636056492
    1636056492

    Maybe have a look at what you are dipping into the emergency fund for - if you are dipping into it for medical expenses maybe it’s time to allocate a budget amount / sinking fund for medical expenses as it is an expense required for your family. Then what you don’t spend at the end of the period you can add to your emergency fund.. so maybe when you rejig your budget base it on the spending done for each category during this year to give yourself an accurate reflection of where your money goes and how much you can expect to save for your house deposit and add to your emergency fund.

  3. mumof2 Says:
    November 5th, 2021 at 03:49 am 1636084179
    1636084179

    LAL yes it is

    vs-ozgirl, yes we have accounts for medical/car etc (we actually have 9 accounts) but I have had to see so many specialists in the last 12 months that we used up all our medical account...and most of the specialists were 1 off why they were trying to figure out what was wrong with me and it has been like that for 8 years...plus my hubbys cancer payments that we had to pay part off, plus medications that aren't all covered so cost more, plus the regular payment I have to make to my neuro physio and shrink..so it has been hard to budget for...that and my mum movin has been the biggest issues for our budget but I think we are back on track now....see how the next 12 months go

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