Its been tough being apart, and I know that takes a toll on both of us.
We do get to see each other several times a year.
But there are times that she tells me shes lonely and depressed.
Signed,
Fiscally Frustrated
Fiscally Frustrated,
I hear you.
It sounds like the goal was for your wifes lucrative job to make a considerable dent in your debt.
Could your wife be feeling like youre putting restrictions on her by prodding her to stick to a budget?
Does she see the work youre doing on your end?
She may be going along with the debt paydown plan, but be struggling to see the benefits.
Theres nothing wrong with a little retail therapy, and she may feel justified in her spending choices.
But this has to be a joint effort if its going to work.
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Pull together three scenarios for paying down your debt.
How long will that debt payoff take?
Did you know?
Play with the numbers to see what feels right.
If you decide that one of those three plans works for you, go for it with gusto.
Im talking gold stars and stickers and progress charts.
You know those thermometer signs organizations use to track their fundraising goals?Make one for your debt payoff.
Start coloring it in each week, or month.
Its amazing how much a simple visual can reinforce your commitment to working toward a goal.
Dont forget to reward yourselves for your hard work, too.
Whether you decide to celebrate your progress when youre together or allow yourself separate rewards, thats fine.
Having a system may help her manage some of her spending, too.
Theres another option here: letting the debt payoff take a back seat.
Yes, you set this goal last year to pay off the debt before you live together again.
Have an awkward money dilemma?
Send it to[email protected].
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Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
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