The crux seems to be getting DH onboard with resolving debt before really bad things happen. I'm guessing that DH eats lunch out rather than taking lunch from home which is the double whammy of costly and not very healthy since restaurants now use so much convenience foods full of unpronounceable chemicals. When you add up money spent on bills minus income how much is unaccountable cash spent?
Please understand I've no wish to hurt feeling, just outlining facts and acknowledge I'm not good at sugar coating bad news. 1st do you know your credit score? These are available for free once a year from each of the major credit reporters. It's simple to get one report each quarter like September/December/March/June on-line. How much are you paying in interest charges every month? Does DH remember what he charged on that 8 y/o CC?
We understand DH's thinking but he needs to get past his self indulgent attitude and realistically look at 2014 and the mess he's made with 8 y/o CC debt, an expensive truck, a SUV you can't afford and his 'toy' Mustang. He's let you down, handed you the responsibility of two small children without the income required to balance the expenses he's incurred. I see no evidence that he knows whether he is reimbursed the full sum he pays in work related transportation costs. Using his vehicle is more than gas, it's regular maintenance like oil changes, depreciation, repairs and extra loss for high mileage. He could be driving the lowest cost, appropriate equipped vehicle that carries out the tasks needed.
You've been offered terrific suggestions to turn your situation around but will DH thwart every attempt?
Please understand I've no wish to hurt feeling, just outlining facts and acknowledge I'm not good at sugar coating bad news. 1st do you know your credit score? These are available for free once a year from each of the major credit reporters. It's simple to get one report each quarter like September/December/March/June on-line. How much are you paying in interest charges every month? Does DH remember what he charged on that 8 y/o CC?
We understand DH's thinking but he needs to get past his self indulgent attitude and realistically look at 2014 and the mess he's made with 8 y/o CC debt, an expensive truck, a SUV you can't afford and his 'toy' Mustang. He's let you down, handed you the responsibility of two small children without the income required to balance the expenses he's incurred. I see no evidence that he knows whether he is reimbursed the full sum he pays in work related transportation costs. Using his vehicle is more than gas, it's regular maintenance like oil changes, depreciation, repairs and extra loss for high mileage. He could be driving the lowest cost, appropriate equipped vehicle that carries out the tasks needed.
You've been offered terrific suggestions to turn your situation around but will DH thwart every attempt?
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