Credit Cards debt

Any idea or advice will be appreciated 🙏🏾

Long story short:

My hubby was in debt and he was making the minimum payments and I encouraged him to pay more than that because the principal was not going down. Which he has been doing. One time he said because of the interest rates he want to take a personal loan to pay them off and I told him not to because the personal loan has higher interest rates compared to the credit cards.

He still went ahead and took it, pay most of the credit cards. Now all the cards are back to full. I am so frustrated because we have zero savings and with two kids. Living from paycheck to paycheck.

I kept talking about these debt over and over again and ways to pay them off. This time around he said he want to take his 401k to pay them off and I said no.

He still went ahead and do it. Now tax season is here and we are owing the IRS over $1960 even with the two kids because of his 401k that he withdrew early. It’s really sad because out of $28,000, he only got $21,000 and still owing again.

This debt is really making be sad and having all kinds of thoughts of leaving the marriage. Two weeks ago he told me that he took Walmart credit card because we shop at Walmart a lot and that we will save more using their card, and with free shipping but he promised not to take any more credit cards.

I told him what I was thinking that this debts is making me to having thoughts of leaving him and take the kids.

Now he is making me look like the bad one that I am threatening to leave him and take the kids. He said I need to stop worrying about debt that the free of be in debt is making me not to trust him. That we need a counseling session and I need to trust him.

But how can I trust you when you kept putting us in debts. Please someone should advise on this.

Sorry for the long post🙏🏾🙏🏾🙏🏾

I’m addition: Our daughter just turned 2. Last year beg of December, he wanted us to put her in day care very badly, which we did because his family was say that she’s delay in speech that she supposed to be speaking at 20 months. I suggested daycare that were $238/week but he said No. That we should put her the one that cost 399/week and that is 1600/month, because it’s more safe, it’s has a camera that we can watch her while we are at work, and make sure she’s doing good.

But the thing is, we don’t have No savings and using the money we suppose to save for down payment for a house on Daycare. I have tried all I can to cut cost, from food, to internet, to phone bills, water, and electricity. Paying this 1600/month for daycare is taking a lot on us as well. Also, since I work from home, I suggest we do part time and he said No.

Many things are just frustrating me, but whenever I say something it’s always end up in a big argument. He always has the final say in many things.