Wednesday, September 30, 2009

Will we survive this credit card debt?

Yesterday we argued again, I have been trying to keep track of our spending by using the online bank account to track discretionary spending. Both my husband and I work for the same company and we each get paid once a month on the same day. This has made tracking expenses, especially for spending extra hard.

Well it seems my husband feels I am nagging him about his spending, in reality I was trying to figure out what the ATM withdrawals he made and check card purchases were for. All I want to do is set a budget before pay day so we can determine how much we can afford to put towards paying down debt. This is the issue we had when I handled the finances in the beginning of our marriage. I figured we would each get an allowance and we would never need to have this conversation again; we just need to be able to determine what we need for what.

After a 20 minute conversation that got got every one upset and totally made me feel defeated and like giving up, my husband looks at me and says that he likes me doing the finances because it makes him think about every dollar before he spends it. Really??? How do you hate it and like it at the same time. I am so tired right now and it has only been a couple of weeks. I feel like throwing in the towel but I know that is giving up on my family's security and future.

2 comments:

  1. once you know how much you have for 'allowance' it really should get easier... then there will be no 'what did you spend $6.24 for?' and him feeling like you are checking up on him... it is tough to get started, but once you do, it will sort of go on autopilot & get a bit easier... good luck

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  2. Thank you for the encouragement it is greatly appreciated. I thought paying off the debt would be the hardest part, so far it has been the stress and arguing.

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