jje1000
Senior Member
The surplus was left from the previus budget year - it doesn't mean the following year will have the same surplus.
Ie: You have $150 in the bank on Jan 1, but it doesn't mean it will be there Dec 31 - especially if you know your rent is going up by $25 a month, not to mention you have to start paying for the furniture that you got 15 months ago that was "no payments till 2011!"
You either have to move to a cheaper place, stop eating out as much, or get a 2nd job. You could always mooch off your parents, but they're hard up for cash now too, having re-mortgaged their home twice and canceling their vacations this year. You could ask your boss for a raise, but times are tough and he said no last time, so that's not something to hope for.
You could put any extra expenses on your credit card too, but that's what you've been doing and at this point your minimum monthly payments aren't paying down the principal at all.
What to do?
Ask your boss to cut your wage, give a few hundred bucks to your police officer friend to shut him up, lose your down payment by cancelling a deal you had made on some things you had already ordered online, and then try to sell your fridge and bed?
Last edited: