No. of Recommendations: 5
I recognize that it is hard to devise a plan and implement it at times when there is a spouse who is no onboard with the same sense of urgency.

Having said that, and recognizing you may have difficulty with doing anything else, I have to say that the cuts you list will not make any real difference in your situation. You said you were going in the hole $2000 a month. This will cut that only slightly.

Your DH's plan to keep on borrowing is going to make it more and more difficult for you to dig out of this even if he is able to ultimately find work.

If you and your DH can't come up with a realistic plan in this situation (I think the most realistic ones posted here were xtn's and mine) then the problem is not just a financial problem and financial help alone won't solve it.
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