It will take me a minute to get all my debts together but I will post those as soon as I can. I do want to answer Jan’s question in regards to DH.My dh is a lifelong gambler. He started at 18 and never stopped. I didn’t realize just how bad it was until after we were married. It has taken several years and lots of heartache. We have finally found a system that works for us. Nothing is in my husband’s name and we share no accounts. When he works which is rare, we do direct deposit directly into to my account. I don’t carry cash and I don’t give him access to my debit cards. We stopped using credit along time ago. The one vehicle we have is only in my name. DH realizes that cash in hand is a major issue but I can not get him to go to outside professional help. Currently he is serving the role as stay at home Dad. I am still conflicted about what decision I will ultimately make but right now I need to get things straight financially so I can make some clear headed decisions. When I say he doesn’t seem to be on board, I don’t mean he is spending cash per se.. for instance I shop with a very tight food budget and shop for specific meals. I know it sounds crazy but I will plan out meals for two weeks etc. Hubby seems to disregard this and will jus make some hamburgers for his friends one day and that can throw us off track. Sometimes I feel like the worst person by locking down the food, and gas supply. Dh doesn’t get that 5 dollars here or there adds up. I know this part of the issue and me not saying no in the past that I am thinking of including a line item in our budget that accounts for his costs per month. I read TMMO and know that both spouses need to be on the plan for this to work . I am at least trying to get in a position to move on if that’s what I chose.

Long winded I know but I hope that explains some things.