to you, we're in the same situation. our credit card bills are over our heads and nobody will give us a consolidation loan. so i'm gonna have to go back to work after being a sahm for almost 2 ys.
try not to think about it right now, i know it's hard. maybe you can find a job where you can take the baby with you? that's my plan, although i have no idea what kind of a job that would be. i used to work as an optician, no way any of the shops will let me take a babe with me. so if anyone has suggestions?
living frugal is a good idea, we do that, but to be honest, when you're looking at paying off cc bills for the next 50 ys with only being able to make minimum payment it doesn't really matter anymore.
i've given thought to the idea of working at home, worried though, that i won't be disciplined anough. but maybe that would be the best idea. you have your baby there and to hell with the dishes if you need to make money. another excuse to make dh help around the house. "honey, i can't make dinner, i've got to earn us some money", lol
seriously, renae, try to relax, you'll find a way. if you need to vent about these things, pm me.