Things To Do In Bed...

Sounds exciting. Not so much. Last night me and my husband curled up under the covers and revamped our budget. Probably makes most people turned on just thinking about it ;)

So the other day we set our appointment to sign off all of the documents for the loan, but we were asked to bring in our credit card bills. I mentioned to the hubby, "so what are we going to say when she asked why they have increased over the past 3 months." Looking at me dumbfounded he responds "how did they increase?" This conversation continues in which he asks the hard question; Even with the loan, can we afford to live in our house, or do we need to move and start over? It wasn't a threat, and he was very level headed indicating that sometimes reality isn't what we want it to be.

So after the kids went to bed, we curled up with my laptop and hammered out a more realistic budget. It included a lot of things that I didn't include before that had been ending up on credit cards. Based on this budget, we have a small shortfall for about the next 3 months, but then we actually have an extra $23 per month ongoing. Not a lot but it's something.

We also estimated that it will be about 3 years before we pay off the residual on our actual credit cards. But at least we are moving in the right direction. It's weird how in the midst of your darkest hour, you finally start to feel better.

This communication thing was a long time coming, but much needed. Hopefully, the transparency will do us good.