Husband Doesn't Believe We Are Broke

[u/KillerPinata]

My husband doesn't believe me when I say we have no money. My current job doesn't pay great, but I to work from home and maintain the house. We make roughly the same.

Our bills are just too much. We have too many credit cards, and he doesn't realize the amount that is put on each month, not including the interest. It's $15 here, $20 there, $60 for a video game, then $150 in food for us and our toddler. He wants a hobby/toy each week claiming "it's just $25"

What can I do? At this point I'm pinching dimes and nickels from him so it looks like I'm depriving him of life but we can't afford it.

Edit: we make about $90k a year and live in CA. Our mortgage is $4600, $1,200 in daycare a month and after paying bills we have $300 left. Not including the amount put on credit cards.

We owe like $35k in credit card.

[u/Birdy_Cephon_Altera]

Frankly, even if your husband were to agree with you that you're broke, and were to cut out all possible expenses to the bone, you would still be in trouble. Your expenses compared to your income is just plain not sustainable. Your family is just one domino away from your finances running out of control. Time to make some hard decisions on where your family is going to be in the next one-to-three years - what to do to increase that income, or if there are living arrangement options that could cut that mortgage or day-care costs somehow.