Stressed to the max.

I am flipping out. My poor little mind is working in overrdrive figuring out how on earth I am going to meet all of my financial obligations. My employer has started reducing hours for most employees, so I am really struggling to figure out how I will pay my bills. I have done the math and I will have just enough to pay my bills but I will only have about $24 left to my name after they are paid. SO FAR, reduced hours are only going to last 2 months, so 4 pay periods, but really who knows what is going to happen, ya know?

This whole situation has really brought home the fact I need an emergency fund, I know that if I had even a little cash in the bank I wouldn't be as freaked as I am right now. I consider myself an honorable person, I made a promise in the form of a legal contract to repay my debtors and to pay certain people for services rendered(cell phone, childcare) and the thought of not being able to pay them kills me. 

So far I have put my paychecks on tax exempt for the next 2 months, so that I can still afford to make all my payments and keep Luke's health insurance. I was going to cancel my cell service, and still might, but the Early Termination Fee is $215 so I'll have to save up and continue  pay the month bill until I can afford to make essentially a triple payment at which point I will have to look into either a prepaid cell phone or go completely cell-less.

Hopefully this truly is just a short term issue, I can survive short term but if it drags on...I won't make it.