Monthly Archives: November 2015

All I can say is …. “what Mitch said.”

Well, let me say something else …. allowing this “man’s” behavior to go on is called enabling. When he has to pay some consequences for his behavior that hurt worse than the gambling losses, THEN he MIGHT be willing to listen but not before. What sort of consequences? Being cut off from his children for lack of support, no sugar momma footin’ the bills, and getting kicked out permanently for lack of support of his wife and children. It DOES NOT MATTER that you earn enough to support this person and that or whoever. It is still his responsibility to support his children, whether you two stay together or not.

Okay, that’s it. I am getting down off my soapbox! Grrrrr

Ok, let’s look at the numbers

We’ll ignore the “man” in this equation. If you feel comfortable, can you post your income and your bills? You say you make more than enough, so let’s see where your money is going. Do you have a WRITTEN budget(before the month begins) of what will be paid that month? If not, go ahead and do one for May.
We follow what we call a ZBB, or Zero-based budget”. Put your income at the top of the page. Underneath that, subtract all the stuff you need to pay. Your income minus your expenses should equal zero.
Example:

Income 2000
mortgage 800
car payment 300
car ins. 100
food 300
utilities 200
student loan 200
credit card 100

Income(2000) minus expenses(2000) equals zero. Your numbers will be different – this is just numbers thrown together quickly. So, time to do yours!

I’ll wait… 🙂

No he wont go to counseling.

We need more than marriage counseling and I realize that. I am just trying to figure out how to pay down MY debt. Hes a gambler. Thats where all his money goes. We also have 6 kids of which 5 are at home. So I am trying to work a plan but can not seem to get ahead even without his income, I make over more than enough to suppurt the kids and myself.