Monday, October 05, 2009
Husband and I have "operated" without a budget for about 10 years....(married about 10 years ago)...It worked before but now with him not working and collecting social security and no savings to fall back on I am scared.... I found a great budget sheet and article on Spark People for a starting place (almost said a jumping off placed, but reconsidered as that sounded negative).... I am reading a book on being positive at the present time and in my mind I keep arguing with the pollyannaishness of that exercise.... After I figure out what it is costing us to live in our house, etc. and using my income plus his, I believe going to a professional counselor would be the best way to figure out what to do. Unfortunately, finances are only one issue as we have become "estranged" emotionally from each other. I am feeling anxious about the whole thing and have been in this state for at least 6 months....and I don't see a silver lining anywhere....I think part of the solution will be to pay off all credit card debt with my retirement money and that will not leave much of that left. There will have to be some "belt tightening" and think there will be some major upheaval before things are much better.