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She's not working, she's still spending like the money spigot is running this is a woman who is in serious denial. How much Gibsonburg OH sex dating of the financial dealings for the household is she responsible for? One thing that you might want to consider is a Chapter 11 bankruptcy. Yes, I know horrible thought. But your credit is already trashed, and with a program that has a % payback, you at least stop the interest payments on the damn credit cards, get rid of the cards once and for all and get on a payment plan (that won't be, but manageable) that gets you out from under this mountain of debt and gives you a fresh start. Also, if your salary increases, you can finish your plan early. Get a GOOD bankruptcy attorney (one who specializes in it, not a friend who has done one or two). The costs be wrapped up into the plan and get yourself back on track. I sound like a broken record people who are regulars have heard me recommend this numerous time but I would STRONGLY suggest that you and your wife enroll in a Ramsey financial management class. Your wife has not "bought into" your situation; in fact, she's actively avoiding dealing with it. A lot of her identity now seems to be wrapped up in appearances and "what other people think," and the embarrassment of assistance. The financial management class is 13 weeks, and require partners to set financial goals TOGETHER, develop a budget TOGETHER and execute it TOGETHER. Yes, it's work. But approached properly, it can be a growing experience for both of you. Your wife didn't get you into this hole all by herself she helped dig it, but you did, too. You're to be commended for realizing that changes need to be made, but you MUST approach this as a team effort, not a punishment for "her" overspending. How old are you guys? I'm thinking maybe 20s/early 30s? A bankruptcy would not be pleasant, but compared to constantly bickering over every dollar you're looking for the next years, it's the lesser of two evils. Good luck. You can do this.

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