Bill Shock

@SomeCowgirl (32255)
United States
May 23, 2010 9:55pm CST
How long did it take for you to get over the shock of paying more then just a few bills (example: Car Insurance, Cell Phone)? Or are you still not over that shock? My husband and I are slowly getting more bills we've got to worry about. We have to pay his health insurance, our car insurance, gas, a health bill... Soon we will have another bill to pay. I don't know what we would do right now if we had a mortgage and utility bills to pay on top of that. I just wonder what the shock will be like for us, but I hope it will be cushioned as I hope we'll be earning enough at that time to pay the bills, save, and enjoy eating out.
3 people like this
16 responses
• United States
24 May 10
Hi somecowgirl, I understand were you are coming from. I worry each and ever months how and the world am I am going to keep up with how everything when it is getting totally out of reach. We are on a fit income. I just pray that it will start getting better and if we could just go out for coffee and a piece of pie - that would be something. Take care my friend Snow
2 people like this
@SomeCowgirl (32255)
• United States
24 May 10
Right now we don't have much to worry about but we still worry, I don't know what it will be like for us when we have even more responsibilities. I keep telling myself I'll earn a lot online if I just put my heart into it. I hope for you and yours, that you can find ways to earn online to help earn some money for that coffee and pie. Why not ice cream or a popsicle or a nice snow cone? lol.
1 person likes this
• United States
24 May 10
Snow cone sounds good Thanks for responding back to me and have a wonderful evening. I know it will work for us and yours. Take care Snow
1 person likes this
@celticeagle (123903)
• Boise, Idaho
25 May 10
Never! Right now I am unable to pay some bills I was trying to get payed off because I am now responsible for another bill with over rides and actually totals these other bills. It just never seems to ease up and I can't seem to get to the other side of any of it. Car insurance is the least of my worries and I have medicare.
@SomeCowgirl (32255)
• United States
25 May 10
I never want hubby and I to be nose high in bills, but I know that is just life. It seems you get one bill paid off and you get another, even if it is a bill for something you bought and wanted. Oh well, I guess we just live on and figure out somehow to get all the bills paid. We've only got to pay, wait I think I listed that already, lol, oh well.
1 person likes this
@celticeagle (123903)
• Boise, Idaho
25 May 10
I know. Thinking about your bills instead of what you were writing.
@Lakota12 (42681)
• United States
24 May 10
DOnt think ya ever get over all the bills that come your way and when they go up ya realy groan!
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
Yeah, I was thinking about it, it seems like you get one bill paid off and more come in. I've not really had experience with this, but I've seen people go through this. Right now we're doing fine, we've not got many bills to pay. We've got one bill we're paying on and will be paid off by the end of the year, that's one less to worry about. We did a quote for health insurance for me, to go ahead and get maternity and all that, it would cost us about $500.00 a month with Blue Cross and Blue Shield. Wow, that is a lot, but I guess that's just life. We won't be worrying about insurance for me until I get a job, I don't guess, lol.
@Lakota12 (42681)
• United States
25 May 10
dont your hubby have thatins on you with his job? He should as most places do have a family plan!
@climber7565 (2579)
• United States
24 May 10
Well its always scary as we wonder how to make ends meet. Even though its easier said then done, we must make a true effort at redirecting attention and energy to finding ways to make money, see must always see things past the problems and just look at solutions. If you embrace more sources of making money, then there is no shock to worry about and the stress dims down. Also, while worrying about bills, even though many don't agree with this concept. One must make oneself one of the bills to pay, meaning every time you get income, you must pay yourself first then every one else after. One, gets a set percentage every month. Now if you do that, you will always have money for you and your wants and needs.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
Hi, I really appreciate your response. I've never actually thought about things that way. I am unemployed at the moment, my husband is the one who earns the most for us. When I was employed, I still mylotted and used my other earning sites because it did help give us that little extra to save. About the making ourselves a bill, that is a good idea. Putting money away in the "Spent" section of the budget, well we don't have a budget, but you get what I mean. I figure it will also be extra money to fall back on just in case the savings well is dried up, or you don't really want to use that. We're just now getting bills, the most I've ever had to pay is a cellphone and for food. For my husband, it's only been gas. Now that we're married we're getting more bills just trying to get ready things started for our future.
• United States
30 May 10
Oh you are most welcome. I hope you all can figure out a good reliable way to budget your expenses. Its always good to also total all your expenses and divide them all by 12 months, so that you always know how much goes to the expense budge out of your earnings, that is savings and all.
@neildc (17251)
• Lapu-Lapu City, Philippines
24 May 10
of all the bills we are getting monthly, it is only the electric bill that we get the shock of our lifetime, mostly every month that it comes in our doorstep. my wife usually gets the first glance and when it comes to her, she will get shocked and will tell me, even before i reach home. i just tell her, let it be, as we have nothing to do with it, we'll just have to pay for it. electric rates keep getting high, same like the fuel rates.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
Do you live in the Phillippines? I remember a few discussions about the price of electricity going up. I am not sure who started them. I hope that you and your wife can figure out a way to have the electric bill go down. I know here atleast, when it comes to a drought, our county is put on like some sort of thing where we shouldn't use a certain amount of water. I'm not sure if the rate goes up for us if we do end up going over or not.
@neildc (17251)
• Lapu-Lapu City, Philippines
25 May 10
yes, that's right SC, i am from the Philippines. the government had said that with the drought and the el niƱo phenomenon still happening, some of the electric plants have to shut down or decrease their supply and that means the electric companies who supply the electricity in the household cannot prevent from increasing their rates.
@xeroeight (1061)
• Philippines
24 May 10
well I suggest to learn more on how to handle your money, I am belong to a MLM company in the Philippines I learn a lot on how will I handle my money, you should start search it on internet or you can add me as friend if you want to learn, only if you want
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
Hi, The good people here at mylot have directed me to some great sites to help with budgeting and understanding finances as well as being frugal. I would love to learn more though I am not sure I'd like an MLM, I've heard they are just schemes. Really there's not much we need to do right now, that is to say, my husband and I have things handled for the most part. For me though, I am always thirsty for more knowledge to prepare myself and my husband for future things we will need to pay on.
@xeroeight (1061)
• Philippines
25 May 10
whoa MLM is a schemes? well that's your opinion, but are you aware that you are in a MLM now?
• United States
24 May 10
I know how you feel. Every time we think we have caught up there is always an expense that comes up which puts behind again. The only thing we keep update on is the mortgage because we are afraid that if we fall behind and miss even one month we will end up losing the house. I hope you and your husband will be able to get out of debt soon. If you have any ways to help save please share with me.
1 person likes this
@GardenGerty (116719)
• United States
24 May 10
If it is not a regular bill that comes up, it is an unexpected health bill, a lay off or a home repair. You are wise to keep up on the mortgage. Everyone has different circumstances, but life seems to keep happening to us all.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
randylovesdar, I think somehow I've confused you, which really with me it isn't easy to be confused. We're not in debt, actually we're doing pretty good. I just feel like we're paying bills and not able to do other things... That's not completely true though as I was able to buy a game for myself, my husband was able to buy four games for me for my upcoming birthday, and we still have money.. just nothing that we can say put a down payment on that double wide we want one day. I made a deal with a member here, we'd both get what we wanted by the end of this year, that doesn't seem like it's going to happen but I still feel proud of my husband and I for what we have accomplished.
@gabs8513 (48710)
• United Kingdom
30 May 10
Hi Somecowgirl Just take your time with Mortgage and all that as that will be the biggest Shock, then you have to Maintain your Home,put money aside in case...... I would never buy again, it is easier to rent, if something should go wrong it is not up to me to pay for it but even paying rent can take it out of you if you do not have enough funds
1 person likes this
@SomeCowgirl (32255)
• United States
2 Jun 10
I think renting would be a nice start, and actually buying a home would be better once we had the funds available. We still have the plan of getting our own place (a doublewide) but the more I think about it, the more I think it might be better to rent a place first. Provided we have a good landlord, it'd be a good experience, and of course as long as we could stay on top of all the bills. I've not talked to my husband about this as a possibility, I don't want to stress him about it. I figure once I get a job and have worked there for a few months, I'll think it over again myself and then present the idea to my husband. I've looked online for places for rent around us. There are some nice looking houses, one that is only $900 where others are $1000 for rent. I am almost certain if I got a job that we could sldie by with the $900.00 rent a month provided we also save up for some of our bills beforehand (before jumping in) and also saving just for the rent itself. The house has been for rent for a few months, not sure if it's the location or just what, if I remeber correctly (I've looked at a few), the house is about 10 minutes from where we live now so 10 minutes closer to my husband's work.
@meapas (2433)
• India
25 May 10
Yes this is the problem with most of us all over the globe. Let us be very careful in our spendings. Try our best to augment our income and increase our savings and cut down our spendings to bare basics.
@SomeCowgirl (32255)
• United States
25 May 10
I don't know if I could cut down the spendings to bare basics quite yet. My husband and I are busy earning so that we can do both and be happy about it. We figure if we buy our wants and needs now we won't have to worry about so many things (we'd need to buy) once we do get our own place.
@cynthiann (18613)
• Jamaica
24 May 10
I think that you should have a budget or if you do have a budget then it may have to be adjusted. There are so many online. Frugal.com gives a good one also Living on a dime.com. You have to be totally realistic and squeeze a dollar here and a dollar there to pay for these bills. Become a Frugal Fanny and do not pay full price for anything. Do you clip coupons? do you go to garage sales? Do you cook two meals at once and freeze the one? Do you use a crock pot for meals? There is so much you can do to cut down, Unplug every appliance from its socket - microwaves especially. The cell phones in particular use a lot more electricity than if they were charging. Do not leave charger in socket. Low energy lights etc. Another way is this. Say you have just paid for a year's insurance on the car. Then divided the amount by 12 and each month put that sum aside in a separate account or just in an envelope. The point being that when the car needs to be insured again then you will have the money already saved. You can make enormous savings by using bleach or vinegar or peroxide instead of expensive cleaners etc. Keep in mind that every cent counts so try not to waste any money. But yes, you still need to have a little treat occasionally too. So budget for that as well.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
I have told my husband that when we have our own place I want to start being frugal. Right now we still live with his parents, but we just got a car so we're having to pay two more things, car insurance and of course for the gas. We've not started to budget yet, but at this point we just kind of calculate in our heads what money is available to be spent or saved after we get done with our bills. Here the car insurance we pay for six months. That is a good idea to figure out how much it would per month and then have that saved up somewhere so that we know we have it. Actually we could figure that into our budget, when we make one, so that way we always have that amount as "spent money" so that it can't be touched. We don't clip coupons as we dont' do the major shopping around here, only what we want, which is usually never all that much and hubby uses his discount card for us to save. We have clipped coupons when we were living somewhere else, and it did help us save that much more. Once we do get on our own I am sure I will be a coupon clipper, I know I've heard some stories of people who have saved so much on a grocery shopping trip, the store actually owed them money. I am not sure how people do that, I am sure it's with being strict on what they buy, and buying things only on sale or with a coupon.
• Philippines
24 May 10
I'm still in shock to tell you the truth. I just regret signing up on cellphone postpaid plans. I swear i can save up more if i just remained on prepaid. And the cable costs too much compared to my water bill. I'm currently searching for cheaper cable plans than what i have.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
When I had prepaid I was never able to buy minutes for it. Of course I also didn't have a job. However, it seems like it just sucks up your money. I am not sure, maybe you've got a better plan or something with prepaid. As it is now, only certain cell companies work where we live, which is fine with me!
@spalladino (17921)
• United States
24 May 10
You get used to it but that doesn't make it any easier to deal with. I actually keep track of our bills on a spreadsheet because we have so many of them and not all are monthly bills. Our trash service is paid quarterly and so are the homeowner's insurance policies for our house and the rental...naturally due at different times. The best thing that you can do is to keep a budget so that you know what your expenses are, where your money is going and how much you can afford.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
Right now we don't have a budget written down. We just kind of figure it up as we go. We only have a few bills to pay anyway. When we do have more bills I am sure we'll sit down and try to figure out a budget from everything from groceries to gas.
24 May 10
I think if u try to control your bills,first you have to change your habits like if phone bill is increasing then dont make unnecessary calls or messages...
@SomeCowgirl (32255)
• United States
25 May 10
We don't pay the cellphone bill we have, we don't use the phone that much as is. let me clarify, it gets paid, it's just not our responsibility. I've paid a cellphone bill for myself before, and it wasn't all that bad. I didn't have to pay any other bill so I was free to do what I wanted with the money I made, hah, if only I'd have saved it better, but well I was a spender back then.
@GardenGerty (116719)
• United States
24 May 10
I do not think we have ever gotten over the shock of bills to pay. We pay off one or two and three or four more crop up. I was just glad I had begun to have an emergency fund when the house decided to have two major problems at one time. The answer is not always more money, sometimes the answer is more care with the expenses. I do not really see anything on your list you can do without though. My daughter budgets really strictly, and that is why she can stay home with her girls, but they do not have a lot of luxuries.
1 person likes this
@SomeCowgirl (32255)
• United States
25 May 10
My husband and I are just starting out and there's a lot of things we still don't understand. We know one thing is for sure, bills are a constant. We live with his parents still, I believe I've said this a thousand times, lol, but I like to let people know this so they understand how "innocent" we are. We live with them and have seen from them that no matter how much money you can get, things come up and sometimes bills have to be shuffled around and "priorities" have to be made. We've helped them out a little bit when needed. We are almost always paid back. When we aren't, we've made an agreement to pay for something, and then they pay for something of ours. I'd love to jump out there and get our own place, but with me not having a job I'm afraid we'd sink before we swam.
@bounce58 (17451)
• Canada
1 Jun 10
Oh I hear you! In fact, even though I've been paying bills for more than 10 years, I'm still not over the shock. Sometimes the shock even come after a year has gone by and I realize that I've made it through even though I keep trying to make ends meet. I know it's a bit daunting at the start, but you'll soon be numbed. Goodluck to you and yours!
• Philippines
30 May 10
Here in our computer shop we always have a bill shock..'cause of our too high electric bill...