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[quote=Anonymous][quote=Anonymous][quote=Anonymous][b]You people are harsh.[/b]

OP, I work for an agency where lots of people work abroad.  With all of the allowances they receive, they seriously bank the dollars when they're overseas.

This is a problem solved by hacking away over time.[/quote]

They have a housing allowance and they got themselves 50k in credit card debt.  That takes a lot of effort.  [/quote]

I agree, people are being harsh!

My husband and I started out on tough financial footing, and clearly it's gotten worse. We charged our wedding (first mistake, shouldn't have had a wedding) - this cost 7000 all told. For our first year of marriage my husband paid his mortgage on top of our rent, because his ex didn't want to rent out the house. I was in school full-time and worked part-time, then we had our first child. Then I was in school full-time and SAH. Childcare where we lived averaged ~2000 a month and without a degree I was unable to find work that would justify that cost, especially while studying full time. I thought getting my degree was the smart decision.

We saw Europe as an opportunity to pay down debt, given where we were living before and with the benefits we get here. It's been slow going.

I'm sure it's easy to judge, but I posted looking for encouragement. We live extremely frugally - we don't eat out, we don't spend on anything other than necessities - and I just want some reassurance that there's a light at the end of the tunnel. I'm not making excuses, just saying we have a lot of debt that we're working to pay off.[/quote]

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