That sounds great. I have been married for 28 years and my husband has gotten laid off so many times it has been hard to build up any savings. Plus, we each had daughters from previous marriages and my ex-husband, who was supposed to pay child support, didn't, and my husband responsibly paid $300.00 per month regardless of our money situation. I worked up until I had our first son, and then I stayed at home. When he started school, I went back to work. Eight years later when I had my other son, I became a stay-at-home mom again until Cody started school. During this time, we had filed for bankruptcy because we couldn't keep up with the bills. Credit card debt and medical bills were piling up. My husband cashed in 401k's, I was taking jewelry to pawn it off, and I took a loan against my life insurance policy. It was terrible. After the bankruptcy, it was a sigh of relief. We also caught a break because Countrywide sent us a letter saying they were paying off our second mortgage because of some mistake. I don't know if it was a government thing, but we weren't arguing. So, things were going alright. Until my husband got in a wreck with our car we had like 3 payments left on. He was fine, thank God. But Chris and his dad started talking and Chris figured that once in his life he was going to have a newer car. We argued, oh did we argue. I just wanted a nice one out of the paper. A nice one that would not put us in debt. But no, he bought a $19,000 car. I was heartbroken. Not only that, he co-signed for a car with my daughter without asking me and long story short, years later, she is struggling to pay for it. And a few months later, our son was looking for a truck and my husband told me it was my turn to co-sign with him. Now in my day, my parents NEVER co-signed anything for us. I was against it and I told him about it. Well, my son drove a truck off the lot. 2018, it was repossessed. Our credit rating is in the toilet. We have been late on so many of our different payments it's not funny. I only worked part-time. I finally got a full-time job last year that I wasn't at very long. I found out I had diabetes and I was pretty sick and so I wasn't catching on as fast as they wanted so I was offered an ultimatum. Either show some improvement over the next two weeks or it could be my job. So I quit that day. I have applied so many places and been turned down. I know it's because of my credit rating. My husband works full-time, plus he has a hauling business on the side. It doesn't really make that much money by the time you take out gas money, dump fees, truck repairs, and all of that. So now we owe back taxes to the federal and state. The federal since 2014. We live paycheck-to -paycheck. There. I think that is my financial situation all laid out. I hope it wasn't too much. It just kinda' explains how I got to where I am. Have I thought about divorce? Yes, I filed last year. Then I dropped it. Stupid!! I used to be a miser with money. Doesn't mix well with someone who doesn't save a dime!!!! I even opened my own savings account at a different bank. Once he found out about that he kept asking how much I had in there so we could borrow from that. Any budgeting advice you can give me would be a plus. I hope this is the information you wanted.... If not I just gave you an earful of my financial problems, sorry. I know it's probably beyond saving, but anything you could tell me would be a big help. Right now I have a 0 balance in my savings account. Help!