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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We need to get a grip! We have no excuses anymore. We make enough money and still life paycheck to paycheck. We spend around $1500 a week on anything other than regular bills like rent, utilizes, car payments, minimum on credit cards… To stay on the budget I put together that would pay $500 a month over the minimum on the credit cards, and $500 a month in savings, we would need to only spend $800 a week on the costs we have more control over. Is that even feasible? There are only two of us. [/quote]

OP we need to know more. What are your bills exactly where is the money going each month? Are you eating out a lot? Drink a lot? "We spend around $1500 a week on anything other than regular bills" WHERE is that $1500 going each week? This isn't clear at all.[/quote]

Here's a good idea of where our money goes each week.

250.00 	Groceries
 60.00 	Gas
 35.00 	Subscriptions
 200.00 	Eating out
 200.00 	Clothes, jewelry
 100.00 	haircuts, skin care, etc
 60.00 	Dog walker
 70.00 	House cleaner (I have a bad back and cleaning is really hard for me- every two weeks at 140 each time)
 150.00 	Amazon- things for house, misc.
 200.00 	Medical- copays, prescriptions, supplements
 100.00 	Cigars- husband
 25.00 	Dog food
 50.00 	Dog- vet, meds, etc
 1,500.00

So I see that we can spend less on just about everything if we grocery shop more carefully, eat at home, stop shopping for clothes and other things we really don't need. [/quote]

This is so easy why do you need help just do it.
Cancel all subscriptions TODAY. STOP EATING OUT. NO CIGARS! USE what up everything you have in the house/food/soap/shampoo before replacing anything. $300 a week on Clothes, jewely, haircuts, skin care, etc? You literally spend money like its your FT job. If someone handed me $1500 a week I HAD to spend, I wouldn't have time to! The medical dog and vet stuff co-pays a week seem very high are you going to the doctor 2x a week? What meds do you take that are $800 a month that you pay out of pocket for? Can you walk your own dog? Also what meds is the dog on for $50 a week or $200 a month?

To me this is insane. Literally just stop spending money except for food at the grocery store but only do this after you eat and use up all the stuff you already have at the house. Purge everything by using it up, food, toiletries. Use that saved money to start paying off the loans and CC bills. STOP USING THE CC for anything, NOTHING. Use your bank debit card only. Honestly you sound like a shopaholic with a hoarded home with spending $800 a month on clothes, and $400 on cosmetics a month! You can possibly wear all those clothes and use all those cosmetics up. What spend so much what are you possibly buying on Amazon for $600 a month? I mean literally all you need to do is stoping spending it then use that money for your CC and loan. Why is this hard to understand? I'm perplexed by this post. Honestly. [/quote]

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