This guy is not going to change

It should be very clear this guy is not going to change. My mother told the story that the week before they got married, my father told her he quit his job. She considered cancelling the wedding but that sort of thing wasn’t done way back then. She would have been better off if she had. He would have great jobs, quit them and then take a crappy job which he would complain about. Neither of my parents were good with money and I inherited that. I do my best.

Anyway, your husband does not seem to understand what is involved with his one son and with both his children in general. My gosh, doing the simple math, let’s say he takes 36,000 home a year. After subtracting rent, he has $1575 a month extra which could be put in savings, etc.

I wish I had that much extra every month. My bills would be paid in no time. Sometimes I even have to go sites like and apply for $500 payday loan to makes my ends meet (((

I know being in debt is depressing

I know being in debt is depressing but try stay steady for your kids.Please don’t think I’m trying to judge your husband but he is really being selfish right now b/c his actions affect the entire family.I think as long as you do all the work he will never hit bottom concerning his debt b/c he feels that your “nest egg” will sustain you guys. I think you should not pay AMEX for your husband if you all will not lose your essentials.

A local debt counselor told me I was in too big a hurry to pay off something that took me years to accumulate.Instead she told me to be patient with myself and take one thing at a time to make head way and to feel less depressed about what I got myself into.If you can use this advice in any capacity I hope it helps.Make your husband share some of this burden with you since it’s his burden.I wish you the best… Whenever if ever you need an ear,shoulder or an e-smile I’m always available.