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ejly 10 points

Check out /r/EatCheapAndHealthy for great, tasteful options. Pro tip: start slow. If you go on a spending spree to acquire all the spices and bulk purchases they recommend it can be a big financial hit. Pick one or two recipes, learn how to handle those and acquire the ingredients and tools you need slowly. That will help you kick the restaurant habit and turn restaurant meals back into a special occasion for you.

If you are a teacher, you are very well positioned for tutoring, coaching, or after school work which can be remunerative. Additionally it is a better professional fit that working retail or other options - there's no embarrassment to be had in meeting a parent of one of your curent students when you're tutoring.

Third, check out and enter your current debts. That will permit you to evaluate various payment strategies and schedules to see what can be doable for you. I'm concerned that you aren't listing the credit card interest rate - are you unaware of it? Stop using your credit cards immediately until you can pay them all down to zero. Credit cards should be used for convenience, purchase protection and points - not to finance a lifestyle.

Fourth, make a real budget. You mention you overspend on restaurants but don't list restaurant charges in your finances. Use a tool like, , or a spreadsheet to account for every penny of income, expense, debt and assets.

As for your dogs' special needs and personal medical situation, re-evaluate what you're paying and shop around for different options. Often people find that you can maintain the same quality of care with different options. You're spending over $100/wk on your dogs, which is $5200 a year. I treat my dogs pretty special too and I would struggle to figure out how to spend that much on them. If, for example, you're paying for grooming try and figure out how to do your own grooming at home. Your dogs will appreciate the time with you and if they don't end up perfectly coiffed, they don't care and with practice you'll get better. (I once dyed my dog blue trying to whiten its fur. The dog did not notice. I got better at it.)

Additionally you are paying $340 for phone and internet. Wow. Start bargain hunting, check out /r/cordcutters , cheap phone providers like , etc. Often people think they need smartphones or that it is a requirement of their job; you don't need a smartphone and if your job requires a phone they can pay for it.

You don't list out any retirement funds,emergency funds, health care savings... ? This is an issue.

Delaying pregnancy and childbirth until you've got your financial house in order is wise. Your child will benefit from being in a financially stable home, and you will be better able to afford a parental leave of absence from work and usual loss in salary that results.

Good luck, stick around for continued advice and I hope someday you will see you have improved your financial skills enough to help advise others!

royalblue422 3 points

I should also note that I am tutoring, and didn’t factor that in. I’m making $120 a month cash from a local family. I also get side gigs resume writing and stuff. I’m in the second leg of the interviewing process with a company that would add nearly $500 take-home a week to my income. Cross your fingers and toes for me please.

OldGuy37 5 points

Blaming is natural, but right now not helpful. You can do this. But you must concentrate on it.

Figure out which bill you can delay paying with least harm, and use that money for groceries. Be mindful that you're still digging yourself deeper -- but starvation isn't going to help.

Rice is a great, cheap, staple. It keeps for long periods if you put it in plastic or glass or metal containers (rather than the plastic bag it comes in). Rice and beans gives you protein and carbohydrates.

Rice and a little cinnamon and sugar gives you a nice dessert.

royalblue422 2 points

Thank you. I have more than enough in my cabinets. It’s just the over-spender in me wanting to stock them up with even more shit. I’m actually excited to go through my pantry tomorrow and meal plan based on what I have.

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Galenanater 1 point

I'm so sorry, I know the kind of relationship you mean, I have a similar one with my highschool councillor.

1) I can't recommend counseling enough, you have lost a friend, and from the sound of it a parent figure. When I lost my Grandpa I went, it really helped me.

2) lean on your friends, that's what there here for they will understand. Just tell them how you feel

3) let yourself be sad, this will take time but you can learn to live with it.

I hope some of this can help, best of luck.

royalblue422 1 point

This absolutely helps. Thank you so much! Take care.

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