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|Wed, 06-02-2010 - 12:31pm|
Hi, just found this board today. Have 3 kids, work PT (mostly weekends), husband works full time. Does anyone know how to go about finding a financial planner? I don't mean someone to help with investments or retirement, someone who can personally help you create a budget, tell you how to spend $$, cut costs, use a cash system? We are not in serious debt, but at the end of the month, we literally don't have any $$ to even buy gas. i have done a lot of research, prepared budget sheets, tracked our daily/monthly spending and have tried to convince my husband that he just spends too much of our income on non-necessities (i.e $45/month for Starbucks, $50 a month recently in LATE fees for video stores, $25-30/month taking the kids for ice cream). And then he wonders why we can't pay the phone, cable, gas, etc... on time. I have tried everything and he just won't listen to me. So I'm thinking if maybe a "professional" sat down and looked at our finances and advised us, he may listen. I would love for Suze Orman or that Dave guy to come to our house but I know that is not feasible. Any ideas how to find someone like this (besides the yellow pages)?
Also, how do you go about starting a cash system? For example, today is June 2nd. We have about $70 in our account, close to $500 of bills due, payday is not till June 4th, and it's my paycheck, which is about $450. So all of my pay has to go to bills, so there is no cash to set aside for groceries, gas, etc, and my husband doesn't get paid again till June 11th.
I am beside myself with worry about all this. I can't increase my hours at work without having to pay for daycare (2 of our children are toddlers), husband works 11am-8pm, gets home @ 8:30, so I can't find another PT job during the evening hours (i.e 6pm-10/11pm). I am just at a loss as to how to handle this situation. Any advice, thoughts, suggestions would be greatly appreciated.