Monday, March 30, 2009

Moving - in your own home?

We finally had the renovations done and we spent a good week just moving around our house. i am SO pleased with the progress even though we have a lot left to do. Lil man loves his new space and princess is glad that she doesn't have to share with her lil brother! (She has even kept her room clean!) And of course my oldest feels like he's 20 now because he has his own bathroom! And I can finally say that I have created a haven for me and hubby to share together in our NEW master suite! I am so thankful that it is done and we are all living in more harmony! Now if the organizing fairy would come and help sort out the junk we uncovered it would be helpful!
Amy Q

Wednesday, March 18, 2009

Re-Focus

OK, I have prayed about the debt and the "fears" I have and I have decided to focus wholly on God to intervene with this problem. I want Him to speak to my hubby's heart and to help guide my words and my thoughts regarding our situation. I feel better now and plan to try to focus on Him instead of me.
Amy Q

Monday, March 16, 2009

Debt

OK, I need serious prayers. A few years ago my husband and i did financial peace. The Dave Ramsey class. I loved it and was SO very excited about it. My husband was a little supportive but felt like we were too far in debt to get out. I manage the money. He sees the budget/bills every week - I don't know if he studies it but he sees it. (I print it out every Friday and give it to him) He has agreed NOT to use the credit cards - I even shredded them. We have had MASSIVE medical bill since we have been married due to the 2 high risk pregnancies, cancer, MRSA, and just having little ones. MOST of the credit card bills were for that. The other debt we have is the "STUPID-TAX" car. We have had it listed for several months on Craiglist with a few offers but we would still have to purchase another car that is bigger - we can barely fit in the one we have! We don't have much in savings and this debt is eating me UP. We OWE $28K in debts not including the house. We have NO wiggle room in the budget, he won't get another job and I have three kids to worry about. If any of you out there have any suggestions PLEASE help. i have worked the budget it seems 100 times and still cannot find the answer. We only bring home about 4K a month and though that sounds like a lot we spend $1035 in debt payments, $900 in house note, and $760 in daycare. I have looked at staying home and if I did I would still have to come up with nearly $1200 extra a month to clear the insurance and other $$ we would need. (higher utilities, food, gas, etc) I currently have a company car to transport them around - another reason the car we have is STUPID! We only use it to go out of town! My salary is more that hubbies base pay but he gets bonus $$ and overtime so his fluxuates to more than mine most pay-periods. I am at a loss. Very frustrated. How can I express to him more that I NEED to be debt free. WE need to be DEBT-FREE!
Amy Q