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love in southport Stop just talking to him about, put it in a spreadsheet so he can where it's going. He can't argue math. You have the right idea you are about to hit a brick wall going mph. Taking little part time jobs not get you out of this mess, so I his point about the Chinese place (I'm not agreeing with him just pointing out that he's probably aware somewhat that a $10 dinner versus a $21 dinner is a ridiculous solution. You are waaaaaaaay past that sort of help.) Your solution is probably more similar to (feels like) ripping out your own stomachs with bare hands, than it is to choosing a cheaper dinner over a more expensive one. Foreclosure and bankruptcy are more realistic options. Picking a cheaper dinner isn't. 1. Outline all debts, balances and monthly payments. 2. Outline monthly expenses. 3. Add them up. 4. Outline all income. 5. Subtract. Send that spreadsheet to him and don't criticize or preach or beg, just ask him to take a look at it and help you figure out how to make it work. Then he doesn't have a heart attack in the process make sure his life insurance policy is paid up. So your retirement is all gone, and enough you'll both be too old to work. your debts be paid off before you have to survive on Social Security????? Have you or he even thought about that? Find and download an amortization spreadsheet somewhere. Plug in the of what you owe on each debt with interest rates, and how it take to pay everything off based on your incomes now, AND your retirement incomes later. Scary, huh? You'll be HOW old, then? Is it even possible in your lifetime? I think your solution is quite clear (to me), even if it take a year or two for you and hubby to hit that brick wall: Bankruptcy is quite close for you, and from what I can, unavoidable. Your condo is going back to the bank, even if your hubby kicks and screams every step of the way to foreclosure. That be the kick in the ass your husband needs to the light. One thing he'll have to realize the 'banks' have no loyalty nor compassion for either of you. They don't care if you sleep in the street and eat beans from a can, they really don't.
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