May I ask, have you tried doing a strict written budget and prioritizing your expenses in a way that Dave Ramsey suggests? Have you tried the Baby Steps? I say this as one who once felt the way you do but finally got down to it, went full blown Dave and while it took 4.5 years of awful, scorched earth rice and beans and 100% determination living for one reason and that was to get ourselves out of a rather deep pit of financial despair. There is no pit so deep that our loving God is not deeper yet please find others in your area that are dealing with this and work on a solution. Please do this. If there is something I can do to point you in the righjt direction feel free to ask.
Sick Americans should not be even considering eating a 3rd world diet to pay for medical bills. This is absolute BS and greed is bringing us to the level of 3rd world
We do budget but during the time I was in the hospital I wasn’t earning money and my wife obviously was cutting her day short to visit me daily.
It’s insane how expensive things are. We don’t have car payments. We tend to follow Dave’s wisdom. Been through financial peace university. There not enough there to cover the bills as everything while I was down for the count had to go on the Cards.
Hopefully the new year will turn things around.