Ok here goes....my shameful confession..Im a credit card junky.... One of the BIGGEST reasons for our money struggles are because I ran up my two main credit cards (good 'ol Mastercard!). I feel SO AWEFUL! One of the main reasons I ran it up is because its been so tough trying to keep up with the kids and the stuff they need, I lost my job but got a new one which pays more an hour but less hours so really Im making less money...wlthough I will be working thru the summer instead of having no pay check thru July and August like I was going thru with working as a Teachers Aide, Now I work for the Chiropractor...so really I guess it works itself out.ANYHOOO...its not cheap raising 4 kids...we are really having a tough time...the credit cards make it too simple. But then again, its so easy to swipe swipe swipe or buy on line with the click of the mouse. I notice I get worse when Im upset or I see a sale...I usually stay out of the malls because of that reason...but the computer is just as bad...hence the debt. I dont know how to dig us out of this horrible hole. Come the new Year I will take money from my retirement IRA which now barely has anything left, but I got us into this mess, I will sacrafice to get us better financially. Its my fault...I will pay! Thanks for listening. Im so asshamed. This is one of the reasons I cant sleep at night...I dont know who I can tlak to without being judged or feeling worse than I already do. Hubby is so understanding. He never has gotten mad at me and Im lucky. He works so hard and he works two jobs. Shame on me! I need to find a better way of budgeting so we can get back on our feet. I was never like this until i went thru divorce over 5 yrs ago and I was finally allowed to "spend my own money" because my last hubby was so controlling over it that I never had the chance to. Since then it has spiralled out of control. Gosh I feel like such a loser! OK...Im done confessing...now...time to get off my tush and do something about it. Hopefully I can last thru the next few weeks thru the holidays and come the first of the year, I will raid my IRA. Why dont I feel any better???? I made a confession...*SIGH!...this is my own darn fault!