Hi Turtle. We definitely would benefit from creating a budget. I know for most housholds that's a given kind of thing, but it never really was for us. I'll confess that when I worked full-time we got away with not having one. It's odd, come to think of it, in some ways hubby bought fewer things back then. Obviously, online stores were available 14 years ago and before a bit, but now that online shopping is so easy, reliable, and generally appealing, his spending on fairly non essential items increased.

In anwer to your questions:

Does he really need the stuff he bought or not?
- Usually not for the most part, but it's hard to convince him of that. Like yesterday, he bought me this fancy small frying pan. I didn't need that. I had actually mentioned needing a small saucepan. He remembered thst, but bought the frying pan because he thought it looked cool. Also, he returned one pair of pants only to buy two more plus a shirt. He has more clothes than I do. Oddles.

Does it hurt your family financially?
- Yes. Our credit card balance keeps increasing.

Does your family has any leftover after all the spending?
- We have some money in our accounts, but not more than the credit card debt.

Do you both have any savings?
- We both have 401K savings, but my balance is relatively small since I've been on disability for so long. We own a house, but still pay mortgage payments. Luckily we do have some good equity.