ETA: thank you to those who read this with empathy and understanding, unfortunately the divorces we survived but shortly after, I had major health issues arise which have since required 3 surgeries, 3 specialists that have required multiple appointments and scans, as well as psychology. The savings we put aside have been taken out for paying for a lot of this. Which is why I feel overwhelmed because I can't see a way out of it - either I don't use the savings and have ongoing problems or I use the savings. There is also an extreme amount of guilt that comes with using family savings on yourself when you have a husband a child. We also had a huge vet bill that we had to put our dog to sleep too. It has been the most stressful time of my life.
Hey everyone, I am a little embarrassed to be making this post.
My entire life I have been really good at budgeting, saving and spending wisely but we have hit a wall and, I feel grateful to say that for the first time in my life, I am worried about money.
Our mortgage has just been refinanced, it is on the best rate we can get for how much we owe (husband had to refinance to pay out his ex, so did I), we are saving every fortnight but we end up taking most, if not all of those savings back out before the next pay day, we have only $1000 in our savings account which has slowly dropped from $8000. This has happened through having to pay hospital excess, dr/specialist fees, scan costs etc.
For the first time ever, I feel worried about money. We have both acknowledged and are trying as hard as we can, we have looked at all our outgoings and reduced wherever possible. I have some shares that work gifts us every year but I would prefer not to sell these.
Is there anything we can do, any tips anyone has to help us get back to where we were?