3 days ago my life changed or better yet 3 days ago I discovered my real reality. My family is $100,000 in debt. That's credit card debt ONLY. Not including student loans, car notes, mortgage or home improvement debt; just credit card debt.
My husband and I both work full time. We have been married 15 years and have two children. On Thursday I was home on furlough and decided to check the balances on the credit cards, just too see what kind of shape we are in. I knew we had some credit card debt but thought we had worked out a plan. My plan was to make a couple of calls and feel good about the progress we were making on paying down the debt. Imagine my shock to discover we had nearly DOUBLE the amount of debt I was expecting.
As I checked the credit card balances and it began to dawn on me how much trouble we were in I went from shock to anger to fear. When we first got married I handled all the finances, while I had nearly no credit my husband had awful credit. But after a couple of years we had cleared up his credit, built up mine and we brought our first home.
With the purchase of a home, my new job of shift work and my husbands new Accounting degree we decided it would be better if he handled the finances. Really he decided and I agreed in order to keep the peace. My way of paying bills and saving had caused SOOOO many arguments and so much bad blood. My husband felt that he was being treated as a child, a poor child at that. I figured he had an accounting degree was very good at what he did so a household budget should be no problem.
Just writing about it is upsetting, I think I will stop for now and try again later.
Welcome to the world of pf blogging... this community is a wonderful place to get the help you may need to just get on the right track. Good luck to you
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