I have a suggestion that has worked for me in the past. First, I set up a budget with all the money I need to pay. This includes all the house payments, utilities, & all the known monthly expenses. Then I add to that all the extras...medical & credit card's. Once I have all the debt amounts scheduled for their monthly payments, I can then plan out the hours of work I need to do each week that allow me to meet those payment amounts.

I find when it is in writing, it makes me much more responsible to meet my goals. I find when it isn't written down, it is much harder to account for my time.

It seems like when I stray away from this method (when I am sick for quite a while), & my husband takes over, he screws it all up because he decides to run things his way & lands us into horrible debt. He doesn't like to be accountable for anything.

It was sad because I had put this accounting method into effect & we ended up out of debt. Then I ended up trying to deal with my anxiety & depression & my husband had to take over. He wasn't willing to realize that we would never be back to the 2 engineer income we were at & continued spending in the same way as when we both were working.....A BIG MISTAKE. Of course, my medical bills are huge over the last 12 years which also didn't help with the debt either.

I am trying hard to get myself back together & in control again after going through the trauma I went through last year, but it is very hard & need his help sometimes, but am usually sorry when I trust him.....tough place to be in when I know what needs to be done & I can't do it or force it to be done.

I know that budgeting really works.....something that really holds me accountable for everything......hope this suggestion might work for you,
Debbie