having a moment

formerlyGDaisy09 · August 2014

I'm having a frustrating start to this week MM wise with H. He just does not seem interested in jumping on our student loans, when we talk about it, he seems to be on board, however when it comes to gathering the information we need to make a plan he keeps coming up with excuses for why he doesn't have it. for months it's been "I don't have time" (seriously, how long does it take to go find the balance, interest rate, and minimum payment for 3 loand?) and this weekend it turned into "I'm locked out of my Sallie Mae account" I'm trying to be patient with the Student Loan thing, but it's been months now of me asking him to figure this out. It became a little more pressing this week because for some reason (I haven't seen any statements so I really have no idea why) his monthly payment to Sallie Mae went from $136 to $494, which is huge!

And now his car needs new breaks (it failed state inspection yesterday) he found a place that will do it for $330, which doesn't seem unreasonable. However, I was chatting with a friend last night who said he would help H change the breaks himself (he says breaks are easy to change) and a ne set of good breaks costs less than $50. H's response to this offer was "I already made an appointment"

this is a little bit of a vent, I know H is having a really hard time at work (he's short a lot of staff and getting flack from upper management for going over his allotted hours) I'm just feeling hurt by his lack of interest in addressing our student loans and his shortness when I found a less expensive solution to the car issue.

CuriousKiddosMama · August 2014

::hugs::
I can understand the frustration. Does your dh know why this is important to you? Can you find out the student loan info yourself? Like log into his accounts tourself so he doesn't have to find the time?
I know paying off debt and Talking about that can suck, but do you have a bigger goal you are both motivated to reach once the debt is gone? Maybe he just needs reminded about why this really does matter.

formerlyGDaisy09 · August 2014

we had a discussion Sunday about how paying off the student loans would be a milestone for us to start thinking about selling our starter home and looking for our forever home (we're currently hemorrhaging nearly $1000 a month to SLs, so that would go a long ways towards being able to put together a DP and afford a little more house) and after that he seemed to be motivated. we've had lots of discussions recently about when we want to start TTC, and what needs to happen MM wise before we do that. H would have liked to start TTC like a year ago, so that was part of our discussion sunday too. we're never going to have our SLs paid off before we start TTC, but sunday we did discuss that it might be nice to get one of the smaller ones paid off first (however right now we can't even be sure what loan is one of the smaller ones)

I do not have his account information, I'm not sure if he would be open to me logging into his accounts. our discussion just seemed to go so well on Sunday, and now we're right back to me begging him to go find the information. He only works a half day on mondays, so I had high hopes that he would find the information yesterday.

hoffse · August 2014

I'm sorry - that's frustrating! Can you just login yourself? H and I finally agreed on a password that we can both remember because I have a need to look at it more often than he does, and that way I don't have to nag him to look at it when he doesn't want to.

The brakes are really frustrating. I don't know anything about it, but your friend is probably right that they aren't that hard to change. Any chance your friend would do it alone for maybe $50 or a 6-pack of beer or something?

lifeonthehill · August 2014

I'm sorry that this is happening.

My H is on board with everything as long as I am leading the charge. I can't get him to do anything with his loans. I log into his accounts, I keep track and I write the checks. He hasn't written a check in two years except for once for his hockey.

Talk to him about allowing you to do it for him. Explain again why this is so important to you. If he is really overwhelmed right now maybe this is just one more stressor than he can manage. That was the problem with H. He couldn't handle another thing on his plate so I took over and I just ran with it.

formerlyGDaisy09 · August 2014

I'm going to ask him if he can share his log-in information with me. there are a few other things that are slipping, maybe he is just so overwhelmed with work that he can't deal with it. (our trash pick-up fee increased from $24/month to $35/month in July and he still hasn't checked on it) he does work a really tough schedule (2 PT jobs one from 3am-10am tues-sat, the other from noon-5pm mon-fri), so I get that he is tired. the other piece of this is that if we could get on top of the student loans he could probably cut back to one job, it would set some other goals back a bit, but his schedule does take a toll.

I'm sure the friend would come help change the breaks for free, I'm not opposed to lying down on the ground and handing parts to someone either. Last night my friend basically said "I love doing car stuff, it would take a couple hours and a few beers, but it wold be fun to spend an afternoon outside with my shirt off under a car." I think H is more warry of canceling the appointment with the shop for some reason. our next door neighbor does work at this particular shop, but I don't think anyone takes offense when you find a way to save a few hundred dollars.

hoffse · August 2014

Well if he's not on board with you looking at it yourself then he needs to just suck it up and take care of it. My H doesn't love to look at these things either, so our compromise was that he gives me access so I can manage it, and if I have a question about something or I accidentally lock myself out, then H calls SallieMae (since they are in his name) and he deals with it then. I have found that most of the time I can figure out what's going on without having to call, as long as I can play around on the website a bit. Their FAQ page is very long. At the end of the day, it's not a big secret how much the student loan payments are or what the balances are, and H just found it easier on him to give me the login info.

Maybe offer to look at it yourself and see what he says. My H was sort of relieved when I finally just asked if I could login so I wouldn't have to ask him to look at it all the time.

hoffse · August 2014

Nah the neighbor will understand about the car. Nobody can argue with free help.

Hopefully your H will be on board about sharing his login info with you. I'm sure you'll be able to figure out what is going on with them if you could just get in and look at it!

smbenevides1989 · August 2014

I'm sorry you are having these issues. It was really tough in the beginning to get H on my side of the budget things. Eventually, he realized how much money we were saving/spending/etc. and now I have free reign on all our accounts. All he has to do is give me his Discover balance/payment each month and I just pay it for him. I hope he is on board with you helping him out. It does sound like he is overwhelmed.

About the car thing, if someone is willing to fix the car for a few beers, I say go for it. I know it's not a hard thing to fix. My dad and my brother (who is a certified mechanic, but my dad is not) fixes our cars all the time. Before my brother became one, they just mickey moused it by reading and/or figuring it out themselves.

jtmh2012 · August 2014

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

formerlyGDaisy09 · August 2014

jtmh2012 said:

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

it's possible, we did manage to pay off $24K in CC debt in just over 2 years, so I know that he knows we can payoff large amounts of debt quickly. We've take the last few months just for a breather from the more agressive debt-tackling mode we had been in, so he could be hesitant to head back down that road. We've always been able to treat ourselves now and then and did go on a nice vacation right after we paid that debt off, so it felt like we had struck a nice balance between paying down debt and saving. when I said not any time soon I think we could probably have it well under control in the next 3 years (TTC is part of our 1 year plan, so we will not have SLs taken care of before TTC). However at this point I'm making assumptions because I really have no idea what kind of balance he has on his loans.

Xstatic3333 · August 2014

jtmh2012 said:
Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

This is my thought too. That's how my H feels about our SLs, even though he's totally on board now with all of our other goals. Once our cars are paid off he wants to get rid of PMI instead if tackling my loan, even though I think (the math is tricky!) that killing my loan will save us more money.

I'm sorry you're having a frustrating time. I'm with PPs, get his login info and deal with it as much as you can. I do know that with phone stuff, Sallie Mae sucks to deal with and will only talk to him. Sadly sounds like it could be "come to Jesus" meeting time soon. It's one thing if he doesn't want to get aggressive with his loans, but you do need to have the information.

Good luck with everything. I hope it gets better soon!

formerlyGDaisy09 · August 2014

thanks all, I'm going to make sure I at least get the log-in information tonight. the SLs seem like the low hanging fruit right now, we have a good portion of my car financed but the interest rate on the loan is 1%, so it's low priority. We do have PMI on our mortgage and we're right on the edge of getting rid of it, if we tackle the basement renovation we're planning we should appraise high enough to get rid of the PMI.

so our student loans that probably average around 6% interest are the next logical thing for us to look at. FX that H is in a good mood tonight. my brother also just offered to come help change the breaks tomorrow, so we definitely shouldn't be paying anyone to do that.

lifeonthehill · August 2014

Gdaisy09 said:

jtmh2012 said:

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

it's possible, we did manage to pay off $24K in CC debt in just over 2 years, so I know that he knows we can payoff large amounts of debt quickly. We've take the last few months just for a breather from the more agressive debt-tackling mode we had been in, so he could be hesitant to head back down that road. We've always been able to treat ourselves now and then and did go on a nice vacation right after we paid that debt off, so it felt like we had struck a nice balance between paying down debt and saving. when I said not any time soon I think we could probably have it well under control in the next 3 years (TTC is part of our 1 year plan, so we will not have SLs taken care of before TTC). However at this point I'm making assumptions because I really have no idea what kind of balance he has on his loans.

I hate to bring this up.

Do you think there I a chance the balance is higher than he is willing to admit? When H and I started getting this together he was a bit ashamed he hadn't worked through college and was worried I would be upset with him. Of course I wasn't and was 100% supportive. Just a thought though.

formerlyGDaisy09 · August 2014

alyssa32713 said:

Gdaisy09 said:

jtmh2012 said:

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

it's possible, we did manage to pay off $24K in CC debt in just over 2 years, so I know that he knows we can payoff large amounts of debt quickly. We've take the last few months just for a breather from the more agressive debt-tackling mode we had been in, so he could be hesitant to head back down that road. We've always been able to treat ourselves now and then and did go on a nice vacation right after we paid that debt off, so it felt like we had struck a nice balance between paying down debt and saving. when I said not any time soon I think we could probably have it well under control in the next 3 years (TTC is part of our 1 year plan, so we will not have SLs taken care of before TTC). However at this point I'm making assumptions because I really have no idea what kind of balance he has on his loans.

I hate to bring this up.
Do you think there I a chance the balance is higher than he is willing to admit? When H and I started getting this together he was a bit ashamed he hadn't worked through college and was worried I would be upset with him. Of course I wasn't and was 100% supportive. Just a thought though.

I knew what the balance was at one point, beacuse when we bought our house all debts got aired...that's how the extent of the CC debt came out. I just haven't kept tabs on the balance in the last 2 1/2 years. I guess it's possible that he's been making payements that were less than the interest that was accumulating and the balance has grown. I hope I've made it clear to him that it doesn't matter what the balances/interest rates are, that we just need to compare all the loans and come-up with a strategy to deal with them. I mean I'm embarassed that while I was in grad school and we were focused on paying off the CC debt I let mey loans go into defferment and accrue additional interest....but it was what we needed to do, and the same could be said about his loans, there was only so much money coming in and paying off the credit cards that had a MUCH higher interest rate was more of a priority than making payments on deffered loans with 6% interest.

Xstatic3333 · August 2014

Gdaisy09 said:

alyssa32713 said:

Gdaisy09 said:

jtmh2012 said:

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

it's possible, we did manage to pay off $24K in CC debt in just over 2 years, so I know that he knows we can payoff large amounts of debt quickly. We've take the last few months just for a breather from the more agressive debt-tackling mode we had been in, so he could be hesitant to head back down that road. We've always been able to treat ourselves now and then and did go on a nice vacation right after we paid that debt off, so it felt like we had struck a nice balance between paying down debt and saving. when I said not any time soon I think we could probably have it well under control in the next 3 years (TTC is part of our 1 year plan, so we will not have SLs taken care of before TTC). However at this point I'm making assumptions because I really have no idea what kind of balance he has on his loans.

I hate to bring this up.
Do you think there I a chance the balance is higher than he is willing to admit? When H and I started getting this together he was a bit ashamed he hadn't worked through college and was worried I would be upset with him. Of course I wasn't and was 100% supportive. Just a thought though.

I knew what the balance was at one point, beacuse when we bought our house all debts got aired...that's how the extent of the CC debt came out. I just haven't kept tabs on the balance in the last 2 1/2 years. I guess it's possible that he's been making payements that were less than the interest that was accumulating and the balance has grown. I hope I've made it clear to him that it doesn't matter what the balances/interest rates are, that we just need to compare all the loans and come-up with a strategy to deal with them. I mean I'm embarassed that while I was in grad school and we were focused on paying off the CC debt I let mey loans go into defferment and accrue additional interest....but it was what we needed to do, and the same could be said about his loans, there was only so much money coming in and paying off the credit cards that had a MUCH higher interest rate was more of a priority than making payments on deffered loans with 6% interest.

Stuck in the Box

It definitely sounds like there is a fair amount of emotion and/or guilt wrapped up in this for him. It sounds like you're being super supportive so that's not on you, but it does explain about about why he's so hesitant to deal with it. Hopefully once you get going on your plan he'll see that it's not so bad and you can totally deal with it quicker than he's imagining.

lifeonthehill · August 2014

Gdaisy09 said:

alyssa32713 said:

Gdaisy09 said:

jtmh2012 said:

Just curious.....you mentioned that these loans aren't going to be paid anytime soon. Is it possible he just doesn't see the light at the end of the tunnel and just sees it as one of those things you'll always be paying, so why bother?

it's possible, we did manage to pay off $24K in CC debt in just over 2 years, so I know that he knows we can payoff large amounts of debt quickly. We've take the last few months just for a breather from the more agressive debt-tackling mode we had been in, so he could be hesitant to head back down that road. We've always been able to treat ourselves now and then and did go on a nice vacation right after we paid that debt off, so it felt like we had struck a nice balance between paying down debt and saving. when I said not any time soon I think we could probably have it well under control in the next 3 years (TTC is part of our 1 year plan, so we will not have SLs taken care of before TTC). However at this point I'm making assumptions because I really have no idea what kind of balance he has on his loans.

I hate to bring this up.
Do you think there I a chance the balance is higher than he is willing to admit? When H and I started getting this together he was a bit ashamed he hadn't worked through college and was worried I would be upset with him. Of course I wasn't and was 100% supportive. Just a thought though.

I knew what the balance was at one point, beacuse when we bought our house all debts got aired...that's how the extent of the CC debt came out. I just haven't kept tabs on the balance in the last 2 1/2 years. I guess it's possible that he's been making payements that were less than the interest that was accumulating and the balance has grown. I hope I've made it clear to him that it doesn't matter what the balances/interest rates are, that we just need to compare all the loans and come-up with a strategy to deal with them. I mean I'm embarassed that while I was in grad school and we were focused on paying off the CC debt I let mey loans go into defferment and accrue additional interest....but it was what we needed to do, and the same could be said about his loans, there was only so much money coming in and paying off the credit cards that had a MUCH higher interest rate was more of a priority than making payments on deffered loans with 6% interest.

**********
Stuck in the box! Well if you knew what it was a t one point then maybe my comment was off base. Good luck!

formerlyGDaisy09 · August 2014

OMG I feel so much better! I do not have the log-in info for his accounts, but it's late, he has to be up early, and the dog is being a pill...so I'll get that another time!

I had prepared myself for the worst, but really it isn't so bad, he has one loan we're going to pay off this month and start our snowball, he has another loan that he owes like $1,600 that we're going to start with and then go by interest rate, it's going to take us 4 years and 9 months to pay off $56K in loans based on our current snowball and being a little conservative about what we can afford, I'm pretty confident I can find another hundred or two a month to add to that snowball.

if we can get some of these paid off quick we may be able to re adjust things (it would mean extending our timeline) so that H can switch to one job and be a more pleasant person to be around!

lifeonthehill · August 2014

Gdaisy09 said:

OMG I feel so much better! I do not have the log-in info for his accounts, but it's late, he has to be up early, and the dog is being a pill...so I'll get that another time!

I had prepared myself for the worst, but really it isn't so bad, he has one loan we're going to pay off this month and start our snowball, he has another loan that he owes like $1,600 that we're going to start with and then go by interest rate, it's going to take us 4 years and 9 months to pay off $56K in loans based on our current snowball and being a little conservative about what we can afford, I'm pretty confident I can find another hundred or two a month to add to that snowball.

if we can get some of these paid off quick we may be able to re adjust things (it would mean extending our timeline) so that H can switch to one job and be a more pleasant person to be around!

I am glad you got it straightened out.

I was working a few jobs and worked from 6am until 10pm most nights for a few months last year and H finally broke down and begged me to stop. The money was amazing but I was exhausted and had no time for my husband or myself.

Having a relationship is more important than having that extra money if you don't need it to survive. I think your H cutting back on a job might be a really great idea.

formerlyGDaisy09 · August 2014

alyssa32713 said:

Gdaisy09 said:

OMG I feel so much better! I do not have the log-in info for his accounts, but it's late, he has to be up early, and the dog is being a pill...so I'll get that another time!

I had prepared myself for the worst, but really it isn't so bad, he has one loan we're going to pay off this month and start our snowball, he has another loan that he owes like $1,600 that we're going to start with and then go by interest rate, it's going to take us 4 years and 9 months to pay off $56K in loans based on our current snowball and being a little conservative about what we can afford, I'm pretty confident I can find another hundred or two a month to add to that snowball.

if we can get some of these paid off quick we may be able to re adjust things (it would mean extending our timeline) so that H can switch to one job and be a more pleasant person to be around!

I am glad you got it straightened out.
I was working a few jobs and worked from 6am until 10pm most nights for a few months last year and H finally broke down and begged me to stop. The money was amazing but I was exhausted and had no time for my husband or myself.
Having a relationship is more important than having that extra money if you don't need it to survive. I think your H cutting back on a job might be a really great idea.

It is so hard when we're both on pretty much opposite schedules. he gets home and is tired and grumpy, he just wants to eat dinner and go to bed, the nights I teach dance classes at night are especially rough. by the end of our snowball he'll definitely be able to drop one of the jobs...I did shorten the timeline on that to 4 years 3 months...I "found" $50 to squeeze out of our budget without touching what we divert to savings too much.

It is a goal to get him down to 1 job, right now we'd need to find about $1200 in our budget for him to drop down to one of his current jobs...that said if we were willing to drop our snowball ($300) and start the snowball over (extending the timeline way out), and loose a few hundred dollars from what we try to send to savings each month, and he can find a full-time (guarenteed 40 hours a week) position that paid $17/hour he could drop down to one job now. unfortunately those jobs are hard to come-by in our area without a bachelor's degree and if he's looking to get to a more normal schedule.

Xstatic3333 · August 2014

That's tough about the job market. I hope he'll find something just right for him soon so he can cut back. It's definitely a strain. Glad you got the loan info, though! That's a great step!

brij2006 · August 2014

I know that I'm pro-Dave Ramsey, but what about stopping the savings you're doing and just plugging away at the student loans? Have you plugged that into the debt snowball calculator and seen how much difference it would make on your timeline?

FWIW We did a modified version of TMM after getting married. We would put toward debt, into savings, and put aside to travel. We didn't get anywhere with our debt and realized it was only knocking off 1.5 years in our 11 year plan to get debt free. That seemed like forever so I plugged in what it would take if we got strict on it and didn't save, travel, or any of the extra stuff we did. It knocked our snowball down to 2 years and 3 months. That instantly gave H momentum and drive to tackle the student loans. Mostly because he knew then that his 50-70 hour workweeks are a means to an end. After 2.5 years they will become an option for him and we will get our lives back.
Do you think your H would be more on board with it if you did it that way? Then he could continue to bring in the extra cash from the 2nd job, but he would know it isn't something he has to do forever.

formerlyGDaisy09 · August 2014

@brij that's a god idea, I think i need to find a little more balance between debt payment and savings...I just ran that through the snowball, that takes the timeline down to 2 years 5 months.

The other moving piece of this is that H and I would like to start TTC in the next year, however pretty much the only goal we have before that is finishing space in the basement so my parents would have a place to stay when they visit....which involves saving. we're trying to find the right balance between all our competing goals.

but you're right that 2 year timeline seems better for H's job situation. One of his job's is with FedEx, so maybe we see how overtime plays out over the holidays (there is no overtime factored into our budget) and re-evaluate our snowball/savings strategy in January.

formerlyGDaisy09 · August 2014

The other thing, that we've done for past debts is that once our snowball gets one loan under $1000 we divert our savings for that month and pay it off, then go back to our snowball...so the 4 year timeline is probably extremely conservative. we're starting this month with paying off a loan H owes $725 on, that takes 2-3 months off our timeline right there.

brij2006 · August 2014

What I would recommend is to stop the savings for the remodel (trust me, I know how hard this is to do) and plug that amount into your debt snowball too. If you were to put off the remodel of the basement, how long would it take you to pay off the student loans? If that brings the timeline down to let's say 1.5 years, then you could maybe start TTC at about that time and begin saving to remodel then. You would be completely debt free, your H wouldn't have to work the insane hours with a newborn at home, and you could save up the money a lot quicker for the remodel without having SL payments.

It's definitely hard to separate out each one of these goals and go at them one at a time, but it really keeps your timeline short on each item and helps keep you motivated when you know there's only X amount of months left to get there. As opposed to working toward 3 different goals at the same time and knowing it will take X years to get there instead of months.

This may also make your H feel better about diving back into the debt snowball and strict budget, and tackling the student loans.

lifeonthehill · August 2014

brij2006 said:

What I would recommend is to stop the savings for the remodel (trust me, I know how hard this is to do) and plug that amount into your debt snowball too. If you were to put off the remodel of the basement, how long would it take you to pay off the student loans? If that brings the timeline down to let's say 1.5 years, then you could maybe start TTC at about that time and begin saving to remodel then. You would be completely debt free, your H wouldn't have to work the insane hours with a newborn at home, and you could save up the money a lot quicker for the remodel without having SL payments.

It's definitely hard to separate out each one of these goals and go at them one at a time, but it really keeps your timeline short on each item and helps keep you motivated when you know there's only X amount of months left to get there. As opposed to working toward 3 different goals at the same time and knowing it will take X years to get there instead of months.
This may also make your H feel better about diving back into the debt snowball and strict budget, and tackling the student loans.

I agree with this. I know first hand how terrible putting off TTC is.

H and I had to break down our goals and attack them one at a time because we weren't making progress fast enough and we felt like we were getting nowhere. I would hold off on adding more to the basement for now and get the SLs taken care of. Then start TTC and saving for the basement again.

I would be miserable if we had a new baby and H was working a ton.

formerlyGDaisy09 · August 2014

It's 3 years and 3 months to pay off the SLs if we stop saving for just the remodel, we still owe a good amount on our car (really low interest rate so I didn't have it in the SL snowball...but we would end-up snowballing it in) so if I add that it's 3 years 7 months to debt free.

it'll take 4 months after that to save the money for the remodel.

I'm not sure I can convince H (or myself) to delay TTC for 3-4 years.

brij2006 · August 2014

How much of an impact will a baby make on your budget? What about listing your debts smallest to largest then plugging them in and setting a point to where you will start TTC at?

One thing that helped us was that we knew how much daycare would cost us and the extra expenses of baby. Then we told ourselves that we would TTC again (we had been for over a year then stopped) once we got enough debt paid off to cover those monthly expenses.

formerlyGDaisy09 · August 2014

at this point our snowball would cover daycare, so if we redirected that and restarted our snowball and contributed a little less to savings a baby would fit in our budget right now...tightly...but we could cover daycare and 200-300 in additional monthly expenses. I'd probably stop doing agility with the dog for a while and that adds a decent amount back into our monthly budget.

if we start TTC in one year we'll have 6 loans paid off and will have freed-up $340 in minimum payments each month. My boss is currently working on a raise for me, so that would help in allowing H to change to something with better hours. I'm really hoping we don't have to alter our timeline for starting a family too much. ultimately we'd like to pay-down our debt, but in one year we'll be talking about loans with interest rates all below 3.75% so if we have to slow-down a little bit I don't consider it a huge step backwards.

we also have PMI on our mortgage, and by my best calculations adding the 3rd bedroom (there is egress and we're putting in a closet so it is a legit bedroom) to the basement increases the value of the house enough that we would comfortably appraise for enough to drop the $140/month PMI from our mortgage.

brij2006 · August 2014

Do you live on a strict budget now? Like rice and beans?

What about cutting out all of the extras now and snowballing that toward your debt. Seeing how much more time that cuts off.

You would be surprised at how much of a difference the little things make.

formerlyGDaisy09 · August 2014

brij2006 said:
Do you live on a strict budget now? Like rice and beans?

What about cutting out all of the extras now and snowballing that toward your debt. Seeing how much more time that cuts off.

You would be surprised at how much of a difference the little things make.

We live on a relatively strict budget right now. Grocery is $400/month, we do vegetarian 5/7 days a week. Pasta lots of days (h is a picky eater and won't eat rice and beans). Our entertainment budget is $100 a month. Most other expenses we worked down to a minimum when we were working on the CC debt. We pack lunches, h has a dumb phone, I need my smart phone for work. We own h's car, I cut H's hair. I'm not sure there is a lot more we can trim.

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