I am freelancing making decent money and my husband works full time and NOW we pull in a decent but on the low-end of a middle class income. We live paycheck-to-paycheck and it's becoming scary when we almost can't pay our rent some months. We are terrible at managing money.
I quit the "power" job when I had DD and we lived on a super tight budget and used credit cards. It was hard to go from being able to spend however I wanted and not really paying attention to bills and expenses I've have to cut, etc. to having to budget and even on food stamps for awhile. DH lost his job for a few months. Luckily, I have (or had now...) great credit and I pay my bills on time.
We spent money on credit cards we should not have spent. We bought a (used and less then 10K) car and took out an equity loan on our paid-off car to pay bills and upgrade my computer so I could work more efficiently from home.
Without getting more personal than I already have, I've never had this much debt in my life! I'm freaking out as Nov/Dec are big spending months (DD's birthday is Dec. 20th just to make it even crazier!) and I need your best tips, suggestions, plans of actions, apps to help with budgeting etc. We absolutely should not spend any more on our credit cards as they are almost maxed out. Saving an emergency fund is a long ways off, though I do have about $130 saved as of today.