Married 2 months & scared
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|Thu, 07-12-2012 - 1:55pm|
We have been married for 2 months today. I am not working at the moment although husband has a full-time job that does not break $50,000 and we have a dog plus renting a house. I plan on finding a job asap, but I really want to get my master's degree sometime soon, but knowing I will have to take out loans keeps from doing so. I was fornuate enough to pay for my undergrad degree so I have no debt, and my husband's parents, as a wedding gift, paid his student loans off for his MBA.
I can't pay my phone bill. I still rely on my parents for money, and I'm sick of it. I'll be 30 in November and don't want to call my parents for money. My grandmother left me a trust which paid for college, but now I'm living off of it and it's going fast. I have no financial know-how; I simply stuck my hand out and voila. Now it is hurting me and I am just crying because I have no idea how to be on my own.
I don't know how to make a budget. I would honestly like to learn these tools and map things out and stick to the plan.
I was/am a spoiled young woman; I know this and don't want to be that anymore. I just don't want to be in debt. I have a goal of getting my master's in psychology, but how am I supposed to reach that? My gpa in college was terrible; I was just trying to finish; so getting scholarships is not in my reach.
How do I turn things around and not take it out on my husband? A friend recommended we read Ramsey's book, Financial Peace and we are reading it now.
One thing I know I can do is cancel my gym membership that I am not using, but then part of me is like 'well, I'll be better about going since it is so close & I desperately want to lose weight and get healthier'..but we live right by great trails, have a lab who likes to walk.
I'm just depressed which I battle and have battled for most of my life (reason college was so difficult and grades so low) but I WANT to be better, happy and in charge of my life.
I love to cook and try out recipes which leads me to going to the store too much because I have to follow the recipe exactly so I need the correct ingrediants..how do you cook and try things out without living at the grocery store?
Please help me get control, Sarah
If anyone lives in Denver, any suggestions on local things would be great.