OK we are attempting to formulate a plan for going forward and tackling the huge amount of debt we are in. $100,000 is forefront in my mind everyday ALL day. I feel like a failure and am embarrassed to discuss or tell friends or family. I can only discuss with my husband for a few minutes at a time or he becomes defensive. I feel so lost and alone, really hope keeping this blog helps to keep me sane.
We have attempted to do a budget and I say attempted because it turns out my husbands records are basically non existent. His process was to pay the bills and then shred them, there are no records of anything that was not a set bill, no record of the credit card charges or debit card use or bank withdrawals. Of course there are records of the charges or withdrawals themselves but no records saying what the charges and withdrawals are for.
So we have been able to say what are major bills are such as mortgage, utilities, anything with a monthly bill. But we are unable to determine anything else. At this point I am very frustrated but I do think we will be able to start to dig our selves out of this $100,000 hole...
good luck - be strong... once you get your bills together & written down, you will have a pretty good idea of where you stand. We are all rooting for you!
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