Where to Begin...it is hard to believe that it has been 8 years since I started this Blog. You guys have always been here supporting me and cheering me on.
I recently took out a LOC against my house and paid off all of my credit card/loan debt. Everything on my credit report has been paid off. I now have one payment a month. But I am making 2 payments of $250, which is about $300 toward principle.
In about 3-6 months we are going to try to refinance the loan in just my name(My mom is a co-signer right now). UPDATE: I REFINANCED THE LOAN IN JUST MY NAME.
My budget is still in place for 2 months out, but I am constantly having to adjust it. But everything still gets covered.
I am still working my part time job early in the mornings and on weekends. I don't mind getting up early(4:00) but I hate going to bed so early. I sure enjoy that paycheck though. I am putting 35% of that check into their 401k. i will slowly raise that up to 50%. UPDATE: I HAVE GIVEN MY NOTICE FOR THE END OF SEPTEMBER. I JUST CAN'T DO 2 JOBS ANYMORE.
This is not really in reply to your current post, I have watched your blog for a while and always wonder what you are doing to divorce your finances? Does he have Child Support Payments? Legally speaking if you split everything into his name or yours, does that mean bill collectors cant come after you if you do not live in a community state for his bills? How do you get him to pay for living in the home?
I ask because I am a codependant, fixer and enabler and wondering what I can do to no longer enable my husbands financial irresponsiblity.
Coupon addict: I sent you an email but in case you didn't get it, thought I would respond here as well. I am not sure about the legal issues. For a long time, I was heading to the funny farm trying to keep up with my own expenses and then trying to make his payments and keep him in the clear. It couldn't be done...especially when he wasn't giving me ANY money toward his expenses or the household.(due to poor money management he was always broke). So I stopped. He now gives me a set amount each week toward household expenses and savings. When he says he needs something, I just kind of change the subject, Sometimes I feel really cold, but I have to stop or else he will never take care of himself and I can't afford to take care of both of us, either financially or emotionally.
My email gives you further details. Hope this helps.