Too Broke To Afford Bills

When you only receive 2300.00 per month (mine and hubby's combined income, mostly his), what are you supposed to do with about 350 dollars of monthly minimum credit card payments?

Here's what I think we should do, but I am not sure what Mike would say about it (since it's his debt and his money.) We pay the minimum payments which is mostly interest, and it's killing us. If we keep this up I truly believe we're going to be in the same hole we're in when the baby arrives in July, and that'll be a problem with me.

Forget about the credit card debt. I say we should part of that money away into an emergency fund and to a debt account for the next while, except for paying the minimum on only his smallest balance credit card. (To help him not lose his credit entirely.) We don't need a 5,000 dollar credit card, and we'll never be able to pay it off unless we lump sum it later down the road when we both have incomes.


The main things we need to pay right now are:

Rent: $770.00
Car: $375.00
Insurance & Gas: $300.00
Food: $250.00
Utilities: $100.00
+ A whole whack of other things.

Those are our current expenses, but when you're only getting 2300 per month, just the apartment and car take up over half of our income.

We need to cut some corners in order to live, and feel secure...but it's hard when only one person controls the money. I feel as though I don't have the right to tell him what to do...but we have to think about what is truly important right NOW.

What would you NOT pay if you were too broke to afford your bills? Let me know in the comments section!