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[quote=Anonymous]Op, in most cases I would say, if you're in this together then you don't need a personal financial advisor. But if your DH is not on board with making some major changes, it might be good to have a neutral party help you set up some systems that will work for you to get back on track. I have to say, the thing that concerns me the most is that I don't think you or especially your husband realize how dire the situation is. He won't give up the credit card? Going to California is "non-negotiable"? Also for both of you, the little trips to Target and eating out are obviously having a BIG impact. You don't talk about your retirement savings or college savings here either but i would bet that situation isn't that good either? Also, no one should be getting an 8k tax refund....[/quote]
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