Making It Through These Rough Times

In a one-income-family like ours, making ends meet can be tough sometimes. Having three kids and making sure we're able to provide their growing needs while at the same time, taking care of our own personal needs and for the entire household, are taking their toll on us. I may be earning online but my income still is not enough to cover other expenses around the house. If anything, I earn just enough to buy some of the kids' food and gas for our car that my husband uses to take him to work everyday.

In order for us to make it through with the amount my husband gets paid for, we save as much as we could and we restrain ourselves from spending money on things we don't need at the moment. The reason behind is, bills take so much out of his paycheck, leaving us with just enough to survive till the next payday. Well, we really have no other choice but to make sure bills get paid on time because if not and the amount keeps adding up, it might get ten times harder for us to catch up on our payments, leaving us with bigger balance to pay later. And if you keep paying bills late, whatever company you owe money to, has all the rights to report you to the credit bureau, thus, affecting your credit score, which can be a bad thing for you later on in life and we definitely don't want that to happen. Also, it's a good thing to search online for free credit score to see where you stand and be always on the right track as far as keeping a good credit. That's one of the many things my husband taught me when I just first got here and how to handle money wisely.

Paying bills is one big thing my husband is trying his hardest to stay on track regardless of how tough times can get. What he basically did with some of the bills was, split them into two separate payments; first half due on every 1st of the month and the second half, on every 15th of the month. In that way, we are caught up with bills and still are able to save money for the family's needs and everything.

I know how stressed out he is most of the time especially when he's the only one bringing in all of the money into our family. That's why I can't wait to start working as well and help out so he doesn't need to carry all of the financial burden on his own anymore. Indeed, making it through these rough times is not an easy thing to do. But I know that no matter what, as long as we keep both our heads held high and keep working on as a team, we'll get through this just fine.