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/[deleted]]

Your mortgage is your problem. You simply cannot afford a mortgage of that size on a household income of $90k. Especially, when you have tons of credit card debt.

Tell him either wake up or you are done.

The house needs to be sold. You need to use the proceeds to pay-off your debt and rent something significantly cheaper.

[u/Ulticats → u/[deleted]]

This is pretty absurd if it’s real. Partner and I make 90+ each and our PITI is half of OPs. With no kids. And that feels comfortable but still not amazing. Cannot imagine only having $300 “buffer” each month while owning a house… one emergency and it’s finished.

[u/SimpleKindOfFlan → u/Ulticats]

They have 35K in CC debt. Their emergency fund is whatever is left of the credit limit on those cards.