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|Mon, 06-02-2003 - 4:20pm|
I'm 23 years old, married, and we just bought our first house last August. DH and I have been together over 7 years and I've always handled his money for him from when we started dating and to this day. We don't have any money in savings. Both of us are compulsive spenders. We don't have any credit cards (thank god!). We've always lived from check to check. Borrowing from next week's check to make it this week, paying overdraft fees constantly with the bank. I can't count the months that bills have been late, and then the next month, there doesn't seem to be enough money to pay the double bill and it just snowballs from there. Recently, I had almost all of our monthly expenses caught up. Our loan payments are almost caught up, and things were feeling good again. The reason things were caught up again though is because DH has been working 55 hours at work. Those overtime hours are going to be coming to an end very soon. Both of our vehicles are 1996's, but mine hasn't been running for the last two months. So, we've been spending plenty of time and money on fixing my car, then something breaks on his truck...and then DH goes on his yearly fishing trip to Canada and last minute expenses add up. I'm sorry if this message is so disjointed, but that's what I feel like. I can't sleep, I'm constantly stressed and depressed because of money, and it just seems so hopeless!!! Now this week, I have to dip into our Christmas Club Savings Account to pay my sister back some money I owe her.
Every time we start to get ahead, we seem to get farther behind than we were before!!!