Christy - posted on 09/22/2010 ( 39 moms have responded )
Yesterday, as I overdrew my bank account for the 5th month in a row, I realize I am a disaster when it comes to handling money. My problem is two things: 1) I'm an impulsive shopper when I see good deals and 2) I have two kids, a husband who is laid off (since December) and zero dollars in savings. I have NO idea how to get myself out of this mess and I am self-loathing over it. I enrolled in a debt management program last October. I was in so much debt that my minimum payment now is $746 PER MONTH! And now I have no credit, so I only have my checkings. I was so used to charging everything without credit I'm overdrawing my account.
I'm in a desperate panic.