Hi everyone. I have been looking for a debt support group for a long time and for some reason, this site never popped up in my google search until yesterday and I am so glad that it did. Let me introduce myself.
My name is Michele and I'm a working, married mother to an 8 year old girl. I also have a SS and a SD from my husband's previous marriage. My SS is almost 19 and just left for the marines on the 10th. My SD is 17 and a junior in high school. My husband and I have been together 14 years and been financially in trouble from the start with poor planning on his part when he got out of the military and didn't have a good, decent job until almost 8 years after we had been together and on my part, I am terrible with not delaying gratification.
I have tried for years to pay off debt and it never works. Something is always coming up and it is hard having step-kids because things pop up with them that you don't plan for or even know about it is always last minute.
We have about $40,000 in debt - a number which hasn't gone down in about the 3 years that I have been trying to actively pay it off. This year was just financially the worst year of all - my daughter had her communion, my SS graduated high school and left for the marines and he lives in MA and we live in NJ which means gifts, trips, hotel stays and eating out, my brother got married in an out of state wedding and my husband's cousin is getting married in November, my best friend and my stepsister both got pregnant and had babies, our desktop computer and our laptop computers both went out within a month of each other and neither are fixed yet, my cell stopped working and we both upgraded, we had a major car report to the tune of $1,000 and last, but not least, my hubby needs dental work that is going to be a minimum of $2,500 and I need some stuff done that is going to be about $1,500. The number of things that went wrong this year and the amount of money we have had to shell out has been overwhelming to say the least. We are at the bottom fo the barrel for everything - cheapest medical insurance plan my job offers, cheapest dental, highest deductible on the car, lowest cable package they offer, basic phoneline at home, basic cell phone plans.
I have two major area problems in life - my weight and my finances - and I think they go a bit hand in hand and I think I tackle them in similar ways. Since I have never been fit financially or physically, they almost seem like pipe dreams. I want them but don't really know how to go about getting there (weight-wise I'm working out more but the eating is still terrible) and since it seems like such a distant dream, its easy to keep putting them off. That has to stop though. I have no choice.
My husband and I make decent money. If we had no bills, we would have no worries whatsoever but because of our issues, we struggle paycheck to paycheck. It's really exhausting now.
Well thats a bit of an introduction so I'll end it here but I'm sure I'll give you more of a backstory as time goes on. I really look forward to getting motivation to stay on track because I need it desperately and I hope at some point I can be of assistance to everyone here.
Have a great day!