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My name is Amy and I am a spendaholic...

August 3rd, 2011 at 11:11 am

I feel like I need a meeting for my spending. Some people would look at it and say it really isn't that bad. But I know you guys will understand that any unnecessary spending is bad. I stopped for breakfast again this morning. I think most of my motivation is coming from the amount of stress I am under. But I have food at work to eat. Why can't I just step up and not eat out?

I sure hope the renters give me all of the rent for this month by Friday. I need to make the mortgage payment and I can't make it until they pay me. I hate being relient on other people. But at the same time I stop short of telling them I will evict them. I have such a hard time being firm. I need to grow a back bone and just tell them that if they aren't caught up by September 1, I will start eviction proceedings. Wish me luck on that.

4 Responses to “My name is Amy and I am a spendaholic...”

  1. LuckyRobin Says:

    Stress eating will kill your budget. I understand why you are doing it, but you really do need to get it under control again. You've proven you can do it. Keep something in the car, some snacks or breakfast bars, dry cereal, granola bars (something easy to eat in the car) and a cooler with water and some of your beloved Dr. Pepper. It's going to take will power to change your behavior. Maybe you should put a sticky note on the center of your steering wheel that says, "I WILL NOT EAT OUT."

    I am sorry you are having a tough time with the tenants still. But if your own house payments depend on them paying, you will fall into a hole if they don't. You've given them plenty of wiggle room. It's time for them to stop wiggling and buck up and pay on time. If they can't, then yes, evict them. You have been more than fair.

  2. creditcardfree Says:

    Hi Amy! I think that is what support group would say. You can do better, one meal and purchase at a time. Maybe you can find another way to decompress and relax.

    I also agree with LR, your tenants have not been good at paying on time at all. It would probably be good to put all communication in writing, especially an eviction notice warning. Certified mail is one option, or the notice signed by them that proves they are aware of the warning.

  3. laura(momcents) Says:

    As a landlord, gosh I hate that word, I have had to threaten my tenant (as nicely as possible) that in no uncertain terms I needed 1/2 the rent on the first of the month and 1/2 the rent on the 15th. I did have to mention that I would be serving a 5-Day notice to move toward eviction (you should be able to find them online or at your local office supply store). I am a softie like you, and my tenent is one month behind plus the security deposit. As a single parent, I cut her a lot of slack and it cost me in the long-run.

  4. ceejay74 Says:

    I know how frustrating it feels. I'm so good at sticking to some things and then other things I really want to accomplish, I just can't seem to stick to.

    Can you physically prevent yourself from spending more than you're prepared to? Leave credit and debit cards at home?

    Robin is right, you've got to keep trying to get it under control. You're just cheating yourself when you cheat on your no-eating-out challenge. Well, we'll always be here to support you no matter how many times you fall!

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