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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Guys Im really depressed
I got a raise this year for completeing my 60 credits above my masters. My first 2 checks didnt have the new amt in it, but this past friday i rec'd a retroactice check and my increase in my pay.
It was MUCH less than DH and i expected!! Im being taxed HARD and i just DO NOT understand how DH and i can make a combined salary of $160k and still have NOTHING LEFT!!
We own a co-op and our mortgage/maintance isnt all that much (i dont know what we would do if we had a house)
I NEED to make some side money!! I booked a party for Dhs 30th bday (a surprise) and now i dont think i will be able to pay for it!! I thought by now thta i would have some tutorings!!! I have NO money left at the end of the week.
I think its PATHETIC that i cant even get myself a pait of Uggs that i want (only $123!!!!)
Anyone feel my pain?? 
Message edited 10/10/2006 8:03:19 AM.
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Posted 10/9/06 9:24 PM  |
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luvsbob4603
To a healthy 2013
Member since 5/05 21840 total posts
Name:
To a brand new year to a healthier me
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Re: Guys Im really depressed
 Can you get a part time job somewhere else for a couple of hours?
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| Posted 10/9/06 9:26 PM |
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Libragal07
Loving Summer.....
Member since 8/06 6636 total posts
Name:
Samantha aka Sammy Bones
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Re: Guys Im really depressed
I know the feeling
I feel like I am never going to get over this hump...and living in NY doesnt help..
I hope it gets better for you sweetie
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| Posted 10/9/06 9:28 PM |
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2PreciousBlessings
The Perfect Pair
Member since 5/06 19861 total posts
Name:
Best Wife & Mommy
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Re: Guys Im really depressed
Feel better!!!
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| Posted 10/9/06 9:29 PM |
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nov04libride
big brother <3
Member since 5/05 14672 total posts
Name:
Me
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Re: Guys Im really depressed
I'd look really hard at how your money is being spent. It's hard living here, but on nearly 200 grand you shouldn't be worried about making ends meet.
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| Posted 10/9/06 9:29 PM |
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skygirl
Our prayers were answered:)
Member since 6/05 4919 total posts
Name:
Erica
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Re: Guys Im really depressed
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| Posted 10/9/06 9:31 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Guys Im really depressed
Posted by nov04libride
I'd look really hard at how your money is being spent. It's hard living here, but on nearly 200 grand you shouldn't be worried about making ends meet.
i was just about to post the same thing. have you and DH write down every penny you spend for the month - you would be surprised on what you waste $$ on! FH and I make less than u do, and we are currently looking for a house. we are able to save $$ by cutting out the stuff we dont need. and we have a ton of student loans!
eta: and you dont get taxed more on a retro check - its the same amount as if you had it spread out - it just looks that way bc it came out all at once.
Message edited 10/9/2006 9:33:21 PM.
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| Posted 10/9/06 9:31 PM |
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monkeybride
My Everything
Member since 5/05 20541 total posts
Name:
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Re: Guys Im really depressed
I would complain to them about your retro check being taxed because of their mistake. It doesn't solve your problem but it's still annoying that because of their mistake you got taxed more.
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| Posted 10/9/06 9:32 PM |
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Jen2999
Baby girls & beagles rock!
Member since 8/06 10356 total posts
Name:
Jen
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Re: Guys Im really depressed
Yea I would suggest redoing your budget.. like seriously sitting down and making lists of how you are spending your money.
Im giving you this as a comparison, not to make you feel bad... but DH and I only make about 100k combined and we have a house(a very teeny one) and are doing ok with bills and stuff.
Its hard, but we make it work and still go out to the movies or dinner here and there.
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| Posted 10/9/06 9:33 PM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Guys Im really depressed
I agree with some of the other posters. I would figure out all your monthly bills and how much you both spend on eating out & shopping. you make a very decent salary to not have anything left over.
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| Posted 10/9/06 9:35 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
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| Posted 10/9/06 9:38 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Guys Im really depressed
Posted by conigs25
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
waitressing or bartending will make you great $$ (cash  )
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| Posted 10/9/06 9:39 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by monkeybride
I would complain to them about your retro check being taxed because of their mistake. It doesn't solve your problem but it's still annoying that because of their mistake you got taxed more.
I spoke to the payroll dept my whole lunch period on Fri. Unfort, its correct!! I need to change my deductions and that should help some. At leats for now i can look forward to a nice return in April
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| Posted 10/9/06 9:39 PM |
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SoinLove
Making big changes
Member since 5/05 16541 total posts
Name:
Kristin
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Re: Guys Im really depressed
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| Posted 10/9/06 9:40 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by Meaghan729
Posted by nov04libride
I'd look really hard at how your money is being spent. It's hard living here, but on nearly 200 grand you shouldn't be worried about making ends meet.
i was just about to post the same thing. have you and DH write down every penny you spend for the month - you would be surprised on what you waste $$ on! FH and I make less than u do, and we are currently looking for a house. we are able to save $$ by cutting out the stuff we dont need. and we have a ton of student loans!
eta: and you dont get taxed more on a retro check - its the same amount as if you had it spread out - it just looks that way bc it came out all at once.
No DH and i can def. meet our bills w/ no worries. Its just we have nothing leftover. I mean dont get me wrong, we aremt eating from cans , its just that i would like to be able to get myself something when i want it (and im not always talking about $123 item.)
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| Posted 10/9/06 9:40 PM |
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peabody
Love green icing!!!
Member since 5/05 4691 total posts
Name:
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Re: Guys Im really depressed
What is the majority of your paycheck going too? Do you have alot of school debt? Car debt? Mortgage?
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| Posted 10/9/06 9:40 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by Meaghan729
Posted by conigs25
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
waitressing or bartending will make you great $$ (cash )
I have done that for 11 yrs and now wish i didnt give it up. Yes im looking into that too
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| Posted 10/9/06 9:41 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19458 total posts
Name:
L
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Re: Guys Im really depressed
I can understand that feeling, but what the pps have said is true, if you write everything down that you are spending you will see where it goes. If you have 2 starbucks coffees and a muffin and eat out for lunch every day and go out to dinner all the time you could litterally be eating your money. Try writing everything down to the last penny and then you will see where your $$$ goes and how you could get the shoes you want with probably little effort.
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| Posted 10/9/06 9:49 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Guys Im really depressed
No DH and i can def. meet our bills w/ no worries. Its just we have nothing leftover. I mean dont get me wrong, we aremt eating from cans , its just that i would like to be able to get myself something when i want it (and im not always talking about $123 item.)
if you make $180K and have nothing left over, you must have a lot of bills, no? There are pleanty of us on here that make way less than that and can save.
there are great articles on yahoo finance about personal finances- one of them recently talked about "the latte factor"- adding up if you went to starbucks everyday and had a latte, if you saved it instead how much you would have in a year (it was thousands!)
for instance, I bring lunch to work 4x per week - I save $160 a month by doing that - that is my car insurance and cell for the month.
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| Posted 10/9/06 9:50 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by LSP2005
I can understand that feeling, but what the pps have said is true, if you write everything down that you are spending you will see where it goes. If you have 2 starbucks coffees and a muffin and eat out for lunch every day and go out to dinner all the time you could litterally be eating your money. Try writing everything down to the last penny and then you will see where your $$$ goes and how you could get the shoes you want with probably little effort.
You are so right!! We did write EVERY purchase all last month and we did see where some was being "wasted". But i still feel like w/ a combined $180 salary income, i shouldnt feel so much that i need a 2nd job
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| Posted 10/9/06 9:50 PM |
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luvsbob4603
To a healthy 2013
Member since 5/05 21840 total posts
Name:
To a brand new year to a healthier me
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Re: Guys Im really depressed
Posted by conigs25
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
what do you do for a living? would you work in kohls for a couple of hours or maybe a deli? or maybe Target or michaels? What about Babysitting?
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| Posted 10/9/06 9:53 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by Meaghan729
No DH and i can def. meet our bills w/ no worries. Its just we have nothing leftover. I mean dont get me wrong, we aremt eating from cans , its just that i would like to be able to get myself something when i want it (and im not always talking about $123 item.)
if you make $180K and have nothing left over, you must have a lot of bills, no? There are pleanty of us on here that make way less than that and can save.
there are great articles on yahoo finance about personal finances- one of them recently talked about "the latte factor"- adding up if you went to starbucks everyday and had a latte, if you saved it instead how much you would have in a year (it was thousands!)
for instance, I bring lunch to work 4x per week - I save $160 a month by doing that - that is my car insurance and cell for the month.
DH and i bring lunch EVERYDAY!! I hate going out anyway bc i feel rushed!! We just always have so many parties, weddings, bdays and gift buying. IT NEVER ENDS!! Its like $100-$300 each time!! This month alone we have 3 weddings, 2 baby showers, and a 1st bday party!! W T F???
We are cutting down eating out bc that was something we did alot.
I do buy my coffee but thats only 3x a week bc some mornings i just dont want it.
I do have a HUGE student loan paymt but my dad (thank god) pays half. We have NO credit cards (well one but we bought our TV and BBQ on it and its like practically paid off- 3 mons to go....)
How the heck im buying Xmas gifts I will never know.....
DH give each other $100 a week for "play money". I automatically take $50 and put it aside for his party. That leaves me w/ a whopping $50 for a week. URRRR 
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| Posted 10/9/06 9:54 PM |
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ssbride05
:-)
Member since 5/05 2654 total posts
Name:
Jennifer
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Re: Guys Im really depressed
you have FM!!!
feel better!! 
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| Posted 10/9/06 9:54 PM |
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conigs25
So in love with this kid!
Member since 5/06 11197 total posts
Name:
Michele
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Re: Guys Im really depressed
Posted by luvsbob4603
Posted by conigs25
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
what do you do for a living? would you work in kohls for a couple of hours or maybe a deli? or maybe Target or michaels? What about Babysitting?
Im a teacher. Last year (and all my 8 yrs in commack) i have had at least 2-3 students that i was tutoring AND i was waitressing. So i need something that i can get paid decent money for. A retail store is only gonna be NO MORE than $8/hr
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| Posted 10/9/06 9:55 PM |
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ssbride05
:-)
Member since 5/05 2654 total posts
Name:
Jennifer
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Re: Guys Im really depressed
Posted by conigs25
Posted by luvsbob4603
Posted by conigs25
Posted by luvsbob4603
Can you get a part time job somewhere else for a couple of hours?
Im trying DESPERATLEY!! I am looking on Craigs List everyday!! I even posted an ad on Craigs List for tutoring.
Anywhere else i should try?
what do you do for a living? would you work in kohls for a couple of hours or maybe a deli? or maybe Target or michaels? What about Babysitting?
Im a teacher. Last year (and all my 8 yrs in commack) i have had at least 2-3 students that i was tutoring AND i was waitressing. So i need something that i can get paid decent money for. A retail store is only gonna be NO MORE than $8/hr
It's tough.... I totally feel your pain... I would honestly look into the waitressing since you have experience or try something on the side you can make your own schedule with..
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| Posted 10/9/06 10:01 PM |
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