2012 was a horrible year for me! It started with a car crash that totaled my households only (and paid off!) car.... ON MY BIRTHDAY! We had to rush into buying another car before the rental ran out. Luckily we were okay and it wasn't our fault so we didn't have to worry about that part. Then we had a miscarriage in May, so I had to add doctor's bills on top of all that. Then we found out we owed the government because we had filled out our tax papers wrong! The dog ended up with heartworms... there was another credit card bill. Then add on top room mates who left us high and dry with all the expenses, our savings and our credit cares are maxed out!

Talk about a terrible year, so we have gone from living right at our means to living way above. We now have two car notes when before we were paid off. Luckily enough we have paid off the IRS.There are my husband's student loans that we haven't even begun to scratch the surface of...

We are lucky that we are both employed but we don't make near to enough to pay everything down and we really want to buy a house and have been desperately trying to start a family. We are renting now but the place has been nothing but trouble for the last two years! Bugs, drain issues, ac issues, and now we have foundation issues that's making the ceiling crack!

I even started a little side business doing custom crochet for people in my area to bring in extra income. It's only enough for maybe a tank of gas but it's something... I've asked and pleased with my husband to get a second job, that's why we got him a car too, but he says that he's looking with no one accepting his applications. I don't know if he's just telling me that he's trying or if he just doesn't want to take up the slack.

I myself have looked into getting a second job but most don't want to work around a banking schedule, so I find myself in the dust. We took in his brother, renting out the extra bedroom in our house to try and supplicate but it always seems that we're just so much short or we can't quite get there.

I know the economy's bad and I try to stay positive and tell myself it could be so much worse, but I just can't keep from getting stressed out about it. I'm the one responsible for budgetting and paying all the bills, and hubby is supportive by asking me before he swipes the card or buys anything to make sure we're in the clear but it's still so frustrating that my husband can't even buy his lunch without worry.

It's literally down to us relying on over drafts to survive. Sometimes as little as $10 can make or break us.

I don't mean to complain or sound like the whiney wife, but I just don't know what else I could possibly do... guess I'm just looking for some feedback on what has worked for others or maybe some other stories so I can know for sure things will eventually turn around?