New to budgeting

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      What in the world is a troll??

      Umm, no matter what a troll is, the birth control comment is out of line.

      Original Message —-
      From: Nancy R
      Sent: Tuesday, March 4, 2008 8:41:48 AM
      Subject: Re: : New to budgeting

      I actually think you are a troll. But in case you are not, the first two

      things you should do:

      1. Use birth control

      2. Get rid of the husband.


      Original Message

      From: “courtney.mcswain” <courtney.mcswain@>

      Hello All,

      I am in desperate need of advice. I have got to be one of the worst

      people in the world with money!!! I have never gone by a budget; I

      just get money and spend it within two days. I would really like to

      start managing my money instead of spending it. I have five children

      so I need to actually have money for all the things that come up. It

      real hurts me to tell the that they can’t have things they want

      because of my mistakes. It’s also bad that every time they want

      something the question always starts with “can we afford?”. They are

      very sweet children and anytime they get even a few cents they offer

      it to me to help out, they are just children they shouldn’t have to

      worry about theses kind of things. Several times I have found

      printable budget worksheets online but they have never helped. I

      spend my money on ridiculous things not what I actually need.

      Although I know that my spending is completely outrageous my biggest

      problem is my husband. We have been together for 8 years and he has

      never worked. No amount of begging and pleading will get him to get

      a job, he doesn’t want one and that’s all there is to it. Up until

      six months ago I had been on welfare for the whole time we where

      together. I am now working but only make about $2,000 a month. Our

      rent is half of that. My husband is an alcoholic and spends a lot of

      what is left on booze (thank god he’s not into drugs too). When I

      tell him no he just takes the money anyways. He’s abusive so hiding

      the money just gets me hurt and he ends up with the money anyways. I

      know what you are all going to say get rid of him, that’s not an

      option!! I am trying the best that I can to provide for my family

      and get our lives in order but without knowing how to budget and

      having such a crappy credit rating I’m lost. My bad credit is

      another of my problems.I don’t know how to fix it. Any suggestions

      about how to start off with the budgeting would be really

      appreciated. Thank you all.

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