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  1. 01-22-2008, 04:37 PM #1
    kaye620
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    Default Newbie who feels overwhelmed...

    Hello, I'm Sandra. I live in southwest Georgia. We have just moved here from the Savannah area. Our house in Savannah still hasn't been sold and we are having to rent a house in the new town.

    I'm a SAHM of a 4 yr old boy. I was a teacher before I had my son. I had to stop working due to a heart condition. We have been lucky that I receive LTD payments. It is a lot less than my normal pay but much better than nothing at all.

    I sat down with my husband last night and figured out all of our debt. I knew it was going to be bad. However, I wasn't prepared for how bad it was.

    I had been doing things for the past year to cut back on our bills and had really put more effort in the past 6 months. I guess I was hoping to see a lower bottom line.

    Well, here I am. I'm looking for help and a good kick in my back side to keep me focused on my goals. My biggest issue is going to be keeping my husband on track. It is really hard to keep trying when I feel like he does things to undermine our goals.

    So, any help and tips you can give me will be well appreciated. Thanks
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  2. 01-22-2008, 05:04 PM #2
    Dancing Lotus
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    Welcome.

    If you want to post some more info I am sure we can help you.

    Do you have any talents that you could use to bring in more income from home? Maybe you could tutor from your home?
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  3. 01-22-2008, 05:07 PM #3
    Darlene
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    Welcome to the Village!
    You took the best first step by looking your situation in the eye. It may seem illusive now but you wait & see, it'll get lot's better.
    ~*Darlene*~
    Live Well~LaughOften~Love Much

    "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
    Leo Buscaglia

    2012 Challenges
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  4. 01-22-2008, 05:29 PM #4
    mom2matty
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    Hi and Welcome!!
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  5. 01-22-2008, 05:38 PM #5
    amecoy75002
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    Welcome to the neighborhood. Brew a cuppa tea, get comfortable and dig into the archives. These people are amazing at frugalness!
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  6. 01-22-2008, 05:48 PM #6
    freyadog
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    welcome to the village. you're gonna love it here and learn so much. Just jump in with both feet.
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  7. 01-22-2008, 06:15 PM #7
    KJayEsq
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    Hi and welcome to FV. I can suggest you review the Debt Reduction & Money Management section. Those threads will show the amazing progress a lot of people are making at knocking down their debt.

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  8. 01-22-2008, 06:18 PM #8
    Sara Noel
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    to frugal village.
    If you'd like to help support Frugal Living by Sara Noel, my syndicated column, e-mail, write, or call the managing editor at your local newspaper and ask them to publish it in print or online. It's internationally syndicated through Universal Uclick. Thank you for supporting Frugal Village.

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  9. 01-22-2008, 06:24 PM #9
    ilovechocolate
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    Hi and welcome from another Georgian, Sandra!!! You'll find lots of help here at the Village. This site is addictive!
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  10. 01-22-2008, 06:52 PM #10
    Marie78
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    Hi and
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  11. 01-22-2008, 06:56 PM #11
    farawayfrugal
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    Welcome, Sandra. You will have lots of advice and good people that will try to help you.
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  12. 01-22-2008, 09:36 PM #12
    kaye620
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    Thanks for the big welcome.
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  13. 01-22-2008, 09:52 PM #13
    PrairieRose
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    Well first off to the village!

    Now, babysteps....and I'm not just talking about Dave Ramsey although he's a great place to start. If you haven't read it, check his book Total Money Makeover out at the library and read it cover to cover. Then every little success you have, share it enthusiastically with your dh, he'll eventually 'get it'...in the meantime don't give up...just keep on keepin' on. Things will get better, eventually

    ~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~
    *We're debt freeeeeeeee! (including the house)*


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  14. 01-22-2008, 10:09 PM #14
    kaykwilts
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    to the village.
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  15. 01-22-2008, 10:48 PM #15
    FrugalMomof3
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    hiya and
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