Uh, yeah. I stress a lot over money concerns. I've touched on this before with the "How do you spend your money?" question. My husband and I have probably had more than our fair share of bumps in the road, including medical crises and periods of unemployment, which have taken a heavy toll on our pocketbook. Not to mention that we live in an area which has one of the lowest pay rates in the country. It's true that the cost of living is also low, but it doesn't quite make up the difference. I also work at a job where we've gotten 0% salary increases for 3 years out of 10.
I'm currently working on a systematic plan of paying off our bills, one by one, until they're gone. When our youngest daughter graduates from college next year, the process will go faster. My husband has the ability to work overtime, and his overtime checks go for "fun" things--eating out, vacations, gifts. We've been in this tunnel for a long time, but I'm starting to see a very dim light shining at the other end.
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