Hubby & I had a very impromptu budget meeting last night.
He brought me his Holiday booking sheet from work. If he wanted to book time off in the first three months of the year, he would have to book it now. He thought it would be a good idea to book a week off for a tropical vacation we should be taking. I reminded him that there is no way that a vacation like that is in the budget.
He's very disappointed about that. Now he knows how serious our financial situation is, once again.
The good news is we have an income still coming in, both his and mine. The bad news is that all savings we did have to keep us afloat is now gone. Again, we will be spending the winter struggling to keep up with the bills, and paying whatever we can toward the debts.
We agree that we hate feeling this way, like we're always seconds away from financial disaster. I think he's now aware that he must be much more involved in the day-to-day workings of our money. The way it is now isn't working. I always have to be the bad guy, and say no to things that I want as much as he does. (And Lord knows I have trouble saying no to spending money!)
We are still very much a work in progress. We have paid off huge amounts of debt in the last three years, and there is more waiting to get paid off. It's just different kinds of debt now. We're still living above our means, and that is something we need to work hard at changing. Together, we can do this.