| I am 56 yrs female and all my life I have been a spender and I have nothing saved up for retirement etc. Part of this is due to me being diagnosed with Bi-Polar when I was 35 yrs old. From my youth/teens I would spend every nickle, dime and penny I had earn from chores and working after school at an Ice cream polar. I was also a kleptomaniac. stealing was my way of controlling my anxieties. I am a very hard worker and so is my husband. We have very poor credit due to not managing our money and not paying our bills on time etc. We are so in depth right now that it's affecting out marriage. So, now that I have gone through 2 marriage. I don't know how to begin and I have my Bi-polar under control at this point with the correct meds. I feel it's too late and my second marriage is not doing well due to not being able to manage our money. There is no bank that will lend us money and we owe a lot of money to everybody. So, I do I begin and I feel it's j ust too late at this point and time at my age. I am a substitute teacher and my current husband has been jumping from one job to another for the past 10 years and having many health issues. Please any suggestions so I can save myself and possibly my marriage. If we get divorce, I don't know how I will handle myself.:scratchhead: |
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