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Still Hitting the brick wall !

April 1st, 2006 at 06:22 am

I am totally burned. Some extra work came up but so did some unexpected bills. I don't spend any money on most days.

The bills are being paid and sometime by April/May of next year I'll be out of debt completely, God willing.

The wife ran up a 794 dollar overdraft on her debit card. Sometimes I can understand why some things can make a fella cry. I had to explain to my wife that 21.9% was an obscene amount of interest for her overdrafts. I don't understand this sickness of spending. Truly, I don't. I can really see why it is the number one cause of marital break ups.

In any case I keep plugging away at it. I hate the debt. I hate the constant scrimping and doing without while the wife is oblivious. Why clip coupons if you are running up overdraft bills. My wife even insisted I get her a new credit card. Maybe I will be leaving home in the near future. I am just so tired of this nonsense.

Gosh, I am so tired of this.

Posted in Uncategorized | 9 Comments »

9 Responses to “Still Hitting the brick wall !”

  1. contrary1 Says:
    April 1st, 2006 at 02:35 pm 1143902131
    1143902131

    I've been in the same place............and I did leave. It was amazing how much extra money I had, even with all the bills I assumed. Money left over every month!! And, I did get out from under "our" debt and never looked back. I can appreciate your situation. Best of luck sorting it out!!

  2. LittleGopher Says:
    April 1st, 2006 at 02:49 pm 1143902979
    1143902979

    You are so strong in dealing with your situation. Just know how much we all admire your strength and optimism. There is no doubt that you will get through this. Best wishes to you!

  3. Anonymous Says:
    April 1st, 2006 at 04:37 pm 1143909427
    1143909427

    I wish you the best as well... it's difficult when one person is the spender and the other is the one trying to keep everything together...

    It is completely frutrating and I completely understand - I'm in the same boat.

  4. Thrifty Ray Says:
    April 1st, 2006 at 04:55 pm 1143910541
    1143910541

    I went back and your read earlier posts...and you have been through alot. There were posts that you were really proud of your wife for what she had been accomplishing....While $794 is a huge amount, it could be a symptom of other issues. Spending is NOT the way to handle stress...some folks just don't get that.

    Is your wife stressing about your health issues? is she worried that she is not pulling her share of the income?? is she simply an irresponsible spender? Every situation is different and I encourage you to consider counseling to uncover any 'fixable' problems.

    In any case...good luck to you!!

  5. Ima saver Says:
    April 1st, 2006 at 05:16 pm 1143911797
    1143911797

    Your wife reminds me of the wives going thru the debt diet on the Oprah show. Maybe you can get her to watch it! Good luck!!

  6. katwoman Says:
    April 1st, 2006 at 06:51 pm 1143917478
    1143917478

    I'm so sorry. It's easy for us to offer advice so here goes.....is it possible the two of you can sit down with some kind of counselor? I know you've tried with her, but maybe a third party can help bridge the divide and get to the heart of what really drives her spending.

    Good luck, and don't give up hope!

  7. lrjohnson Says:
    April 2nd, 2006 at 12:04 am 1143936243
    1143936243

    My thoughts are very much with you.

  8. Leen Says:
    April 4th, 2006 at 04:36 pm 1144168614
    1144168614

    Send your wife over to About.com's Frugal Living site (it's under the money tab.) If they can't convert her, I don't know what can. p.s. My brother's wife left him while he was in Kuwait; when he came back, he found she had over $40K in credit card debt on cards he didn't even know she had. He paid it all down; she came home. Originally he completely restricted her spending, but now it seems to be creeping back up again. You do need to get your wife on the same page as you - even if it's not 100%, at least agree to the majority of goals as a couple; otherwise, it's not fair to either of you - will be constant friction. You won't win on 100% but neither will she. Good luck!

  9. markio26 Says:
    April 23rd, 2006 at 06:15 am 1145772918
    1145772918

    some ppl. are trying to fulfill a need that was not completed from childhood.
    for example... a guy who overeats, because he never was given enough food as a child, and never felt full... he shops at the dented can store daily.. he is very frugal, food was precious to him as a child, and told to him daily to eat every bite.
    some ppl. are impulse shoppers... it is just like playing cards, you have to know when to hold and when to fold..if you want to purchase an item, research it, compare prices over at fw website, then decide when you can actually purchase the item.. learn patience..make a game out of it.
    i think your wife needs someone else to tell her things.. she doesn't want to comprehend what you are saying...
    it is never a good thing to yell at each other.. leave the scene, until she is in an agreeable mood...hope this helps.

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