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[quote=Anonymous][quote=Anonymous]OP, just wanted to say I get it. My DH is terrible with finances and I have had to work around him to make cuts/budget. Some things that helped me - switching to a lower interest card, selling gold and using the cash to pay down the credit card, buying only generic brands, trading in my smart phone with unlimited plan for something basic. I'd like to make more changes (get rid of cable, downsize the car) but those would require him to get on board and he's not quite there yet. It's stressful and frustrating but someone has to take responsibility and start making changes. My DH has seen the impact of my small changes though and is starting to get on board with the bigger ones (considering trading in the car). Good luck and stay strong.[/quote]

I agree but am not OP but want you to know you are not alone.  It sucks and in this city it's easy to get under water very quickly.  For us, it was DH switching jobs for a job he loves so the quaity of life went up but a change in a medical plan with an incompetant HR and tax forms not done properly was just bad for our budget.

I think that baby steps are what are needed-if you go crazy on day one, you'll be miserable by day two and give up.  We found that always having things like eggs/bacon in the fridge means we always have something quick and easy to make and don't need fast food.  Yes, you're exhausted and it's easy t do take out but once you plan meals it becomes much easier and you cut a huge chunk of money out of your budget.    DH also packs lunch which cut out more than you'd expect.  Mint.com is a great site to see where you are spending your money and create a basic budget.  Good luck.[/quote]

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