Quote:
Originally Posted by Snave
I may be out of bounds here, but the marital counselor is an idiot. The number one reason people divorce is over money. So, for him to hard-line it and say you take over the finances is dumb. I hope he/she is just hard-lining it so that you both see what the other is feeling, but there are better ways to get a point across. Anyway, it sounds as if you have quickly learned that both of you need to take accountability. I wish you luck. As for your situation, the cars have got to go. You make 77K and have 50k in car loans. What kind of car do you drive with a 36K loan? Take the loss of the money and probably the harder hit, your pride, and sell the things.
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Our take-home pay is $7850 a month... or $94,200/year... sorry for the miscalculation earlier. I was going off of what was on our 1040 last year between our W2s. In July our income will go up an extra $50/mo... and I have a performance review next week or two so I might get a raise there as well. And if DH gets picked up for the next rank, he'll get a $300/mo raise
The cars aren't fancy either... an '03 VW GTI that should be paid off next year if we adjust our withholdings. We downsized that last year... sold my '05 Accord and his '06 motorcycle to consolidate it into 1 payment... my car payment was $460... his motorcycle was $220... so we consolidated those and got him a commuter car, financed it for 4 years... and got the $435/mo payment. We were paying 3 vehicle payments at the time... with a Honda Pilot.... so I told him I was tired of doing that and we downsized to that.
My car is just cause we JUST bought it in February when we tried to make our Honda Pilot work but with 4 kids, they couldn't comfortably fit since the kids would complain the 3rd row seat was too small and you couldn't even fit groceries in the back (a must since I live 5000 miles away from family and when DH is deployed I don't have an option of leaving them at home or finding a sitter to go grocery shopping). So we got an '07 Odyssey. Which, the payment was the same as our Pilot.... and it dropped our insurance payment being a minivan vs an SUV