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Money and Finances
Reply to "Earning Well but Drowning in Debt...how to dig out?"
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[quote=Anonymous]OK, the snowstorm is the perfect time to sit down with your DH to figure out a budget for 2016. The PP gave you a perfect template. Start filling in the numbers until you get a budget that matches your take home pay. Assuming your DH's Hill job is stable, I recommend you take $35k out of your emergency fund to put a significant dent in you cc bills. This will leave you with 6 plus months of mortgage payments. When you create your budget add a line item for paying back your emergency fund. Leave your 401k alone! Camps: the Smithsonian is the best of the best and very expensive as a result. You have to find something else. How about hiring a summer college student for the summer? We did that one year and the cost was reasonable and the kids had a blast. If you really can't make the numbers work your DH will have to do what the rest of Hill rats have done and become a lobbyist. The private sector pays significantly more. [/quote]
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