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 has 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. 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 some 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🙏🏾🙏🏾🙏🏾