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[quote=Anonymous]OP here-

Thank you all for your help. I’m too embarrassed to talk to people in person. And you all didn’t roast me! You’ve been so encouraging and helpful.

I’m getting therapy and I’ll fess up to the therapist about how bad this issue is.

We’re in our 50’s and having no savings at this age is horrible and I’m ashamed of that. All kids have moved out and on their own so it’s just two of us. We shouldn’t be spending more than we did with all the kids at home.

I have control of the finances but I have a hard time not spending money or telling my husband he needs to stop. Last night I let my husband know how much debt we have and how much we’re spending. He says he’s on board. Now I need to follow through.

I’m not sure about what to pay first- my job is very secure and my 401K has a really low interest rate, so that should probably be left until later. I think either the credit cards or taxes needs to be paid off first. And I’m upside down on both vehicles so they need some of the principal paid off. That’s what happens if you pay more than the minimum, right? Our interest rates are high- 30-36%. We have some with really low amounts but the fees are high. If I pay those off and close the accounts, does that affect my credit rating?

Thanks again!

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