The only one we are accountable to is ourselves. It is about time I face the facts and realize just how in debt we are. My husband, by choice, wants nothing to do with the any of the financial aspects of our everyday living.

We were married young, had kids right away, both finished college with no debt, rented a year and then bought our first house...and have moved 2 more times. I was married, got pregnant right away, in my last year of college, and was not legal to drink. Crazy....YES... but if I had the chance to change anything I wouldn't. It has been a wonderful journey so far.

Neither of us growing up were taught how to set up a budget and Asavings program. Finances were never discussed. Heck, I couldn't even fill out a check when we were first married. At a slow and steady pace we have dug ourselves into debt. Some I consider good and some bad. The blessing of staying home 20 years with the kids, medical bills that have finally been paid off......a beautiful home that I let my husband talk me into knowing it would be a struggle with 4 kids to upkeep.

At this point I need to move forward and learn from past mistakes. I honestly think that is what led me to this blog. Knowing that there are others in the same situation as I am and looking for the positives. Instead of griping all the time......physically do something,anything, to get out of my funk.