So I've mentioned before that we have some very unexpected financial things come up that put is in the hole in a big way and two months later we are still behind and can't seem to pay our bills. It's frustrating to say the least! I wish we could just have one month free rent :) That would help a lot! Rent where we live is so expensive even though we actually got a good deal on our house...it's just the state and city. But we are saving about $100 a month by not living on base so that is a good thing.
We have debt which I'm sure many of you do too. I wouldn't say we have as much as some considering we didn't spend four years in school(although we both do have some school loans) but between credit cards, our car, and student loans and other misc. debt we definitely have a lot to pay off. I was looking into the Dave Ramsey Total Money Makeover and am debating about getting it. I also would love to find a legit debt consolidator in the area. I'm just sick of having the burdens of our debt hanging over my head and stressing me out. I am also so sick of being broke. With the big tax return coming up it gives me motivation to tackle our finances. We are still waiting on my W-2 to come in the mail from the short time I was a hostess last year so as soon as that comes we will by filing and I'm hoping we don't have to wait long for that money.
So my question to you...How do you manage your budget? Are you working towards being debt free and if so how are you doing it? How do you get out of tough financial holes when unexpected things come up?