Debt so bad I'm lost

My family's debt is so bad and I don't know what to do.  Tried everything I could think of but we can't seem to make any headway. That is not totally true, we make headway but we loose it 3x faster then we make it. And I am pretty sure the main culprit is my dear husband, he is AWFUL with money. We both believed that if I took over the bill paying (after years of arguing) it would fix the problem. That was a big joke, instead of fixing the problems it seems to have just delayed the downfall and removed my husband from the reality of it and increased my stress so much that my some times tick has turned into an all the time tick. At the same time I am no angel, since my husband seems unable to curb his spending I have been spending a little more than I need.  Getting super depressed again, will write more later....Happy savings

Update Debt Elimination - November 2009

Hi everyone, Hope you are having a wonderful time getting ready for the holidays and staying out of debt! It has been a crazy few weeks for me at work and I have missed blogging. It feels good to be back at the keys, typing away.

This is my day of truth, where I call all the credit card companys and get the current balances. November was a crazy credit card month, one of the cards lowered our credit limit, even though we have never been late on a payment and have been paying the balance down, it was on a card that daycare charges automatically each month. When the credit card company lowered the balance the daycare payment bounced. Very embarrassing and more then a little depressing. Hopefully 2010 will be a better year economically, I have high hopes.


Credit Card Balance
Start point = $95,351
Last month = $89,518
Current = $86,222