i am so frustrated.....even when i try to do good evil is nearby.....my daughter's camp payment is due....part was due last week...late fee 25$ and this wk due tday....they gave me a p[artial scholarship and with the late payment its like its taken back....i made money on ebay but it nvr seems to be enuf.    we had to pay car ins so that steve wont get his car taken...and i sold something on ebay but i accidentally misrepresented so i tyold him id give him back half of his bid.  so now we dont have the money for camp and id been tryin so hard to take care of it ahead of time....hell my dad gave me some of the money and here i am again.  lack of planning...we just speand and dont plan at all.....funny thing is we dont spend a lot...dont have to to mess things up.....i try to keep things afloat..im lookin for a job and its not happening fast enuf....i gotta smile though cause we will have the money for the camp come friday....we're not overdrawn so much like we have in the past.  but im still disappoointed cause it just seems like no matter what we do we come up short....when we were both working it was the same just more stressful or a dif kinda stress.....i know itll b ok....but it bugs me.....sometimes...but amen...i am a thrifty shopper....we have plenty of groceries...we have stuff i didnt know we had......we had burgers for dinner when i thought all the ground beef was gone...i went to this meat market a couple weeks ago a nd got some good deals....ive purcvhased some chicken at the grocery store since, but overall i like what i got.....we have prenty veg and rice etc so im pretty good on food for the wk...i need gas for my car, but other than that im ok......i really so much want to do separate accts...i think that might help  me....but my husband im not sure.....he has a spe acct for himself for his ministry and it was overdrawn....i saw a ltr.   the difficult thing for me is trying to figure how much to give him to spend on himself....we chose 80 once but it still wsnt enuf for him...he subconsc=iously tries to spend every last dime and then goaes over...its not just him, but im usually payuing bills and getting stuff for the house...whatever we're both to blame one time or another......if we each had a budget..if we had a budget and followed it then we'd do better all around....its just hard when the income does not exceed the expenses and te expenses dont seem optional.  and then the unexpected stuff can just blow us out of the water...like the car insur and hes supposed to get his car inspected and we do not have the money for that..if he cant get the car inspected then what was the pnt of getting the ins?  steve just likes to buy stuff....so he bought the ins...doesnt have the money for inspect and we owe another 25.00 for late charge...more than half of the payment..seems wrong......well thats what i signed up for...i jujst didnt expect to be paying it this late...i kept thinking of putting money aside for it, but didnt trying to take care of other stuff....well i am blessed that we r able to send her to cmp at all even if its a "few" 50 dollars more...lord forgive me for not being a better steward over what uve blessed us with.