Well, it's been almost a full month since I last wrote, because things have just continued to go downhill. If you read my last post you know I felt like we were "on the brink of disaster" and now I feel like my toes are hanging over. We have had to take two cash advances in the last two payperiods to cover "surprises" and I just can't handle it anymore. I had a little breakdown tonight, this is just not how things are supposed to be!
It's crazy that I am in this situtation, because I have enjoyed reading personal finance books for about 7 years now and have been committed to being smart with my money. I know others in this community have probably wondered how we could have so many "surprises" and why I can't budget better, but without going into it too much, it's because my husband had borrowed money (a lot of money) that I didn't know about and we are now paying it back. Unfortunately, he didn't keep a record of this borrowing so we pay whenever he remembers a new debt. It's been hard, I want to pay it back, it's important to do that; it's just draining us - financially and emotionally. We've paid $1,000+ in personal debt per payperiod more than once. If it wasn't over a $1k, it was several hundred. This has been going on for months and I'm just beat.
I haven't said anything to any friends or family about this or about our debt in general. I haven't said anything here, because I don't want anyone (even y'all who I don't personally know) to think poorly of my husband. Much of this money that he borrowed was used to help out other people, ironically enough. I know it wasn't the most responsible thing for him to do and it's caused a lot of heartache (which he is well aware), but he does have a good heart. He hasn't borrowed anymore since June and has promised not to. I believe him, now it's just getting past all of these "surprises" and getting consistent with living a budget.
Anyway, it's a bit of a tangent, but wanted to explain, but try not to blame. I love my husband and just hope (and trust) that everything will work out for us sooner rather than later. *sigh* That's my prayer.
It's been awhile, because things only got worse.
December 15th, 2008 at 05:26 am
December 15th, 2008 at 05:46 am 1229319986
December 15th, 2008 at 05:54 am 1229320470
December 15th, 2008 at 05:57 am 1229320651
December 15th, 2008 at 07:53 am 1229327619
December 15th, 2008 at 01:01 pm 1229346084
It's a good thing he has you.
December 15th, 2008 at 01:55 pm 1229349306
December 15th, 2008 at 02:08 pm 1229350100
Anyway, thank you for the support.
BA & lizjane, I think he has realized for himself that this sort of thing cannot happen again. And you're right. He has definitely put enough blame and pressure on himself because of it. He is having a hard time with knowing why we are where we are.
whitestripe, I hope he wasn't taken advantage of, but it's hard for me to know since I didn't know everything at the time.
Mrs.Pearl and beautissamiss, thank you.
Snoopycool, I think we will be stronger for it once it's over, even once we get over the surprises and work our plan to get out of debt. He is absolutely committed to that now, so now we just need time to pass, doing what we need to do.
Thank you again. The support helps.
December 15th, 2008 at 02:13 pm 1229350390
December 15th, 2008 at 04:00 pm 1229356850
December 15th, 2008 at 06:55 pm 1229367327