I don’t even know where to start really. I have been poking around this board for the past few months and I finally have the courage to post. I spent the past few weeks thinking of reasons why I’m in debt and trying to blame it on one excuse or another but let’s be honest, there really is no excuse why I’m in debt. I wanted to blame it on my horrible childhood. You know, my parents were divorced when I was young and they spoiled me because they wanted to buy my love or my mom was only 17 when I was born… Let’s just face it, I spend way above our means and there is no other reason than that.
I don’t even know where to start. I try to make a budget but I can never get us to stick to it. See there I go again, I say I make a budget, who am I kidding!! I don’t even know how to make a budget! What are the guidelines for a budget? How much goes to food, house stuff, extras, savings… AHHHH!!!
Right now we are about 48K in debt and I don’t know how to stop the spending. I’m a stay home mom of 2 and my hubby works. I’m kind of honest with him about our debt and spending but I have such a hard time telling him no when he wants to buy something. I feel like he should be able to buy what he wants because he works so hard to make it possible for me to stay at home.