Oh Dear

Well, I did it.

And the results are terrifying.

I tried to make a budget.

I used the budget form on www.livingonadime.com, it's very convenient and simple.
Too simple. It appears that, if I figure in DH's loans for the Truck and ATV, and I pay the expected amount on each bill and have normal paychecks with no overtime, well, there is a $962/month shortfall. HOW DID THAT HAPPEN?????

And that's not even counting incidentals like haircuts or car repairs.

Things have been getting paid on time, as I have been working more hours lately, but you and I both know that I can't count on that...my company is big on outsourcing work to India, so who knows if I'll even have a job in a few months, let alone overtime!

I liked my budget a lot better before I looked at it.

It is pretty clear that unless some drastic changes get made, the bank(s) will make some drastic changes for me. I printed off the budget, and I am going to try to show it to DH when "That Guy" isn't around, and see if it'll convince him to get a job at McDonalds or something. If he doesn't get a job somewhere soon, I am going to have to start slashing things like car insurance on his car that's paid off, TV (we get very basic satellite because there is no regular TV coverage where we live), food, etc. Seeing it in writing really makes me scared. I don't know how I've been doing this for so long!!!!