Last week, I was all charged up and ready to tackle my debt. Now I am sad and discouraged and I feel like I’ll never get it all paid off. Unexpected bills keep cropping up, like the $171 I am supposed to pay for a prescription. I do have health insurance, and in general, it’s pretty good, but this particular prescription doesn’t come in a generic, and I have to pay full price for brand-name drugs until I meet my $250 deductible, which resets every year. Plus, I have a $25 co-pay for office visits, and I pay $10 for each generic prescription. Even without getting the expensive medication, my last visit to the doctor set me back $55.

I feel like I need to build up an emergency fund, but i don’t know whether it’s better to try and save money now, or if I should be putting all extra cash toward my debt. And my husband is not helping much. Although he knows we are deep in debt, he chooses to ignore it. Last weekend, he went out and spent $50 to play golf. Plus, he refuses to bring his lunch to work, so he spends at least $7 a day eating out. He also won’t eat leftovers.

This is so frustrating! I feel like I am all alone in trying to improve our financial situation!