I was working on our budgets for the next few months tonight, and the more I look, the more I can't seem to figure out how in the world we are possibly going to be able to meet the February 22nd goal of having the car paid off. I think we're still going to be a good $4000 shy. The reason for this is part of the money from Jonny's final semester of student loans that we were going to throw at it, we've had to decide to set aside in a savings account for him to take the Becker CPA prep courses, and exams later in the year. At first we were going to try to set a monthly sinking fund account to cover those expenses, but we need such a large bulk of money to pay when he registers, there's really no way for us to do a sinking funds account and make the amount of money we'll need on time for him to register.
Additionally, our regular monthly income is going to be decreasing due to the change in Jonny's GIBill status for his final semester in school. That's at least $400 less per month that he's going to be bringing in, than before...
He's going to try to get picked up by a tax firm for the upcoming tax season again this year. Hopefully, he'll be with a more recognized company and will be more successful this year than last.
I'm just down in the dumps. I got great news on the work front today....I wish my personal success would spill over to him. It's only a matter of time. One day he's going to be soo successful. I'm just tired of the hurry up and wait. It's been 2 years since we made this transition. TWO YEARS. Hey Obama, where are those damn jobs you promised us? My husband needs one, thanks. I'm irritated with myself because I won't allow myself to be excited about the progress we have made because I'm mad at the road blocks still in our way.
I shouldn't be this upset. Our original debt free date when we started was November 2013. Even if it's May or June before we're done, we'll still have cut that time in half. Why cant I just shut up and be okay with that?
I'm tired of being in debt. I'm tired of struggling. I am scared of what next summer and beyond is going to look like, if he's not working full time and the car is not paid off. I NEED that car to be paid off. At least with it paid off, my paycheck will cover all of our other regular monthly expenses. No, I wont be able to pay student loans when they come out of deferment, and heaven forbid, I have to turn around and ask for a hardship deferral, but I don't see any other way around it. I feel like we've worked so hard and come SO far, only to be running into a brick wall again, and it SUCKS.