- Personal Finance»
- Debt & Bankruptcy
dave ramsey, my husband, and me
ok i'm up a creek and no paddle in sight. i just got the book. and i'm stoked. tmmo by the way. i'm ready. i want to be debt free. i'm ready to live like no one else so i can live like no one else. here's the problems. our credit is fubar. we have no savings. we're getting kicked out of our house. we have opportunity to move to a used trailer but where the trailer is it may not stay because the person who owns the land may not want us out there. it's a long story. my husband is putting everything on me. he's already theoretically spent my tax refund before i get it. he's got it going to a down payment for a new trailer, fixing his suburban, and 500 other things. i'm freaking out as well because i just started school and took out about 20000 worth of student loans. i work in child care and make about 200 a week with child care for my daughter is 80 a week. my husband is a truck driver who delivers construction materials so he isn't working in the winter right now. my mortgage shot up to 1000 a month. utilities are about 150. phone and internet 120. do we see where i have a problem? i'm scared. i know moving to the trailer is the best option. it'll be 250 a month instead of 1000. and that will help. and i'll still work at the daycare. and once spring happens my husband will start doing 60 hours a week so he'll pull about 500 or more a week. i guess i'm just ranting and whining and freaking out. my in laws are mad because of the house situation. they "worked so hard to get" us this house. my father in law is a real estate agent. at the time we signed for this house i was making 2500 a month. and now we're "just throwing it all away and throwing it in " their faces. so they are completely against us moving even though we are living in a house way beyond our means. they are very keeping up with the joneses. we're tired of the joneses cuz they're broke too. they are always saying how they have no money but my mil just got 3 ruby necklaces for christmas from my fil. they have a 300000 dollar house and neither one really works. i'm sorry i'm rambling. and ranting. i guess i'm just venting more than anything. the thing that scares me the most is it just seems like my husband and i are never on the same page. and never will be. and i'm scared that because of that no matter what i try it won't work. i reaaly want this to work. i'm sick and tired of being sick and tired. and i don't want to take it anymore. but how can i convince my husband that great value jelly is the same as welch's. or that store brand anything is the exact same as the name brand just cheaper. and we can afford cheaper. we can't afford to pay for a name. does anyone else have trouble with their inlaws and sig others not getting on board? is it doable by yourself? or am i just going to keep getting by just to have my husband pull me back down? thanks for reading.