What should we do?
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I just got a job and will be paid on the 15th (though the check will officially be cashed around the 18-21 because of bank policy).
Right now we have $237 in our account thanks to a heater failing among other things (don't get me started about the saving for emergencies--it's been something we've wanted to do, but when you have a new baby and are living on one income, it's tough).
My husband gets paid next on the 20th. His is direct deposit; this pay cycle it will be a live check to get the direct deposit started.
The bills we have to pay between now and then:
Childcare (x2) $185
Student Loans (auto) $273
Obviously we're going to go into the negative. By that much is terrifying.
Should we:
1) Bite the bullet and ask the daycare provider to wait until the 20th?
2) Ask for a loan from my parents (cringe)
3) ?
We can't sell anything more than we already have--not lectures just yet. We're on the right track now; it just took me 15 months to find a job.
What should we do?Try to relax (I find deep breathing very helpful). Now listen, it only feels like a BIG deal but when you and your husband look back on this, it will appear as an insignificant hurdle.
If it were me - and incidentally, I've been in a similar situation more than once - I would ask childcare to wait until the 20th. If they refused, I would simply give them a postdated check and that's the end of it.
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