We are in serious trouble.
And it's all our fault.
We are facing a mountainous $25,000+ in consumer debt, plus a mortgage.
{I haven't actually sat down to get the exact number because truthfully, I'm terrified.}
We have no savings and we live paycheck to paycheck.
Sound familiar?
Unfortunately, it's about to get worse. My husband starts at a new job Monday.
It is a fantastic move for us in the long run but for now means a small pay cut and a 40 minute commute (one way).
I don't even know where to start. No wait, that's not true. Even as we struggle to pay our monthly bills, we are still spending frivolously. It's time to cut back. Way back.
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