Talk about being between a rock and a hard place! Here's something I would suggest. Start hiding away some money. Just a couple extra dollars back when you go grocery shopping or whenever. Hide it under a pair of shoes or in a baggie in the freezer, just somewhere private and safe. You'll be amazed at what a sense of power this will give you. At one time I had $700 spirited away. It was so satisfying to watch it grow.

We have separate checking accounts and different credit unions, but at tax time you have to report interest earned, so it's no secret. No one has to know about a secret cash stash.