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[quote=Anonymous]My husband and I are terrible at managing finances. DH doesn't want to consult a professional so I'm hoping we can get advice here. We have $13,000 in credit card debt and are $200 over our limit. We are spending more than we make so that every few weeks we have to transfer money from savings to checking. Our savings are down to $300! We are expecting $8000 for our tax return. DH wants to spend the money on car repairs (which we need), and a trip to San Diego for a friends wedding. He thinks we should pay down the credit card $2000 and put the rest in savings which would be about 2K. I think we should put a huge chunk toward the credit card bill and be militant about spending. Eg, DH goes to his pals wedding alone so he can split a hotel room with a friend. Looking for some advice here. Please help! [/quote]
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