New and De-Lurking
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|Thu, 04-24-2003 - 11:34am|
I've been lurking on this board for the past week, now, and take comfort that I am not alone in my struggle to be debt-free. I am experiencing A LOT of stress right now because the April mortgage payment is past due, the April car payment is past due, both the gas bill and the auto insurance payment are 2 months past due, CC debt is piling up and DH and I have other miscellaneous bills that need to be paid (the least of which is a $1500 debt for an accident he had when we were uninsured).
I feel SO stupid because there seems to be enough income to cover expenses but (and maybe I need to be on the compulsive spenders board) it trickles away - mostly towards dining out($234 so far this month). I cook but I don't like to all the time and when we're on the go (with our two kids) it's easier to grab something or we'll have date night (nearly every weekend). I track all our spending in Microsoft Money but it doesn't matter.
I am a law student/stay-at-home mom so I really don't have the time (or energy) to get even a part-time job. Besides, I keep telling myself that more money won't solve the problem unless we learn money management skills. Also, we keep saying that things will be so much easier when I graduate but things are really hard RIGHT NOW.
I'm selling stuff, on EBAY, that's been in the garage forever to make some extra cash while ignoring phone calls from creditors. In the meantime, I'm not sleeping well and my hair is falling out.
Thanks for listening.