I'm sorry to be such a downer, but I am really feeling overwhelmed at the moment. 

In a nutshell, we have some CC debt that I thought was manageable but still may take us 2 years to pay off AND I finally got my head out of the sand and reviewed what we will owe on DD's student loans beginning this summer. Each of the kids got great packages at the school of their choice and they have always paid 1/3 of what is due plus they have work study so please don't tell me that I shouldn't have school loans for them. I do and I went into it with eyes wide open.

I also figured out that, if we did not have credit card debt, I make just enough to cover our yearly expenses, even with putting 15% into our retirement. So, that is great; but, where in the heck does it go? My husband's salary was greatly reduced a couple years ago but I thought we had adjusted quite well. Bah. I am so discouraged. I just feel stupid.

It's time to really take a look at where the money is going and see where we can cut back; but, I do get so tired...

Thank you all for giving me the space to just whine!

Didi