So stressed out I cant sleep!!! I am dumb and in debt
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So stressed out I cant sleep!!! I am dumb and in debt
| Mon, 03-19-2012 - 1:12pm |
Okay, I am hoping this will make me feel better for spelling out how dumb I have been.
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I forgot to mention I have never been late or am NOT late on any of the cards.
You might want to post on the Debt Support board, as it's a more active community.
I'm the family financial manager, and I mismanaged our finances into over $50K of debt, through lack of attention and my unwillingness to face reality.
Hugs to you, this is the first step!
How can he get mad when you said that you spend most of your money on his daughter's activities?
I would create a list of our annual expenses and our annual revenue and show him that something has to give. Explain to him that you are holding all the stress and all the emotional damage of this and you need his help. You need him to be an adult and a partner (not a teenager who can ask you to take care of him).
Then create a budget with a debt plan. Show him the sacrifices that are going to have to be made. Get his commitment on this. I would also look into extra ways to bring some money into the household.
Good luck and you can do this!
Dee
Pop over the the Debt support board and we can all help you with this, we have been there, let me tell you!
One book that helped me was The Complete Money makeover by Dave Ramsey, it gives you a method for attacking the debt like you have never seen and you will be able to get things under control if you are open to the methods he lists - like using cash for a while so you can FEEL your spending, another tip is an emergency fund, so you never have to use credit again.
We post our success and our issues on the Debt Support board, help one another to save and pay things down and celebrate when things go well. It has helped me pay down over $115k of debt in 4 years.
-Marie