| Nov 17 2008 |
I have failed once again about money, I just can't seem to handle it well. The first thing I did today was spend $70.00 at Wal-Mart and my husband was less than pleased with that. Sothat was my first mistake. And everything I bought, with the exception of two things for me, were all things that we needed. Paper products, shampoo, storage containers, etc.
Then the next thing is a HUGE one. A couple of years ago I got involved in a scam (didn't realize it until it was too late of course) and ended up having to be bailed out by hubby for $2,000.00. I then wrote a letter to my bank explaining about the scam and the overdrawn account - which is separate from the $2,000.00 (that was to someone else). But now I can't open up savings accounts for my kids Social Security money because I owe the bank over $3,200.00.
My husband is so wonderful, he didn't even get mad at me, instead he comforted me and told me that all would be okay and we would figure out how to pay the bank what I owe them. I kind of wish he would just get mad at me, because I feel like I deserve that. I just feel like such a failure once again. I can never seem to get it right when it comes to money. I just don't know any more - I feel like I just don't deserve to be here any more. I just bring more problems upon us that we just don't need to deal with, especially money issues - we just don't have very much and I have no idea how we are going to pay this off. The bank did say we could set up a payment plan, so that may be what we will do. I just don't know any more. I just don't deserve to be here any more.
I can't make suggestions because I don't know you yet and I don't want to offend. But I can tell you some funny stories about the strange stuff I do that is sure to make you feel better about yourself and it ok if you laugh.
I have to be brief...I keep getting disconnected. 
Next time you mess up try to make a little joke about it. Now...go get em 
I know you're right, really I do. I know that I'm not the only one who has made mistakes, I just feel so badly about what I've done. That's why I feel as though I don't deserve to be here, I just can't keep doing this crap. I do about I want to be able to fix this instead of my husband, but it looks like he is going to have to fix it. I think all money matters should be handled by my husband from now on. I just can't seem to do it right.
Forgive yourself and keep going! 
Some people have a harder time grasping the idea of budgeting than others do. It doesn't make you less valuble as a person.
You have a supportive husband...that right there seems to be a rare find these days. You've admitted you have trouble handling money. Well, just like with anything else, admitting that there is a problem is the first step to fixing that problem.
The way I see it is, you have two choices. You can either turn over all financial responsibilities to your husband - which doesn't sound like much fun at all, or you can work together with your husband, create a reasonable budget so that you can live within your means, and work out ways to pay off debts to the bank, and anyone else for that matter.
There are so many helpful financial tools out there that can help you. I have a program that I use, which I absolutely love, and if you're interested, you can PM me and I'll tell you about it.
You are NOT worthless, and you DO deserve to be here. Please don't be so hard on yourself. You've made some mistakes and you need help. What person on this earth doesn't need help with things at one time or another?
Now, pick your head up off your chest, walk over to your hubby and say - let's fix this.