Good Morning Folks,I sincerely appreciate all your advice and want to update you on my tasks thus far. Determinedmom, your plan is what I was thinking I should do, but DH resists this and feels we should keep borrowing until we are no longer able & then look at returning the car, not paying on cards, etc. Xtn, I really appreciate the 'Soldier' attitude, but am having difficulty communicating the urgency of the situation to my family. You are exactly right, I am being called to lead at this point. I am trying to do so without creating a permanent rift in our relationship.dswing, I said *I* made the poor choices because I allowed DH's values & choices regarding *our* money. Our relationship is strong but we disagree on this point, which will either tear us apart or make us stronger in the end. The main argument is why bother to reduce expenses by nickels & dimes when we are so far behind and that we should maintain good credit as long as possible, although we are borrowing to do so. I keep saying that we have got to make some difficult decisions to dig out of this.After several discussions, this is where I am: Phone & Internet reduced by 40car insurance reduced by 60security system off- save 32gym off- save 81fast food none-save 150game fee off-save 20I know this is only 383$ lower, but the victory here is that we have begun. We have discussed getting rid of the car with payment. I'm not sure what the outcome will be. Student loan is already deferred, we are not paying on it; it belongs to DH.Mary Anna, I will call the Visa companies this afternoon, thanks for outlining how you did that!Thanks again to everyone who responded & I will post again soon to let you know what my final budget for April looks like. Oh, and I am working more OT. IF they let me work enough hours, I can actually make more than an extra job.
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