Remember how I said that we took out payday loans? Well, now, on top of that, our checking account has been hit with about 7 $35 NSF fees. I switched my direct deposit to another of our checking accounts because if I hadn't, the entire check would have been eaten up and our car payments wouldn't have gotten paid. I am very frustrated right now. It seems like we are just treading water.
Thankfully, our tax return is coming up soon, so hopefully, this will get our checking account back positive and get our pay day loans paid off, which would free up about $500 a month. Kind of sucks because I was hoping that tax return could put more of a dent in actual debt. but at least this will help eliminate some of the immediate issues.
I thought about this today. We make about $80,000 a year. With no credit card debt. And yet still, we always seem to be in this same situation. Well, hopefully, I can put an end to all of this stuff this year. It just takes time. And learning from past mistakes. What really stinks is knowing that all of our extra money is going out the door every single month. But I just have to keep the long term in mind - all will be fixed in time.
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