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are kids and love enough?

I'm new here and don't know what to do. I love my wife. All indications are that she loves me back. We have a child together (4yo) We've been married 6 years. There are also step-children in the picture (2, hers). She's been out of work due to an injury that isn't going away. No work, no disability (yet) means we've been surviving off my paycheck alone. I've recently found out that she hasn't bee completely honest, helping her sister financially. After we seemingly got our debt organized with a home equity loan, I find out we are way in credit card debt because she's taken several advances on the card to help her sister and some harebrained plan to stay ahead of the debt. I don't want to be away from my kid like I would be if we were divorced. I can't help but ask myself if I'm allowing myself to be dragged down or if it's too late since marriage and children completely change the landscape. Should I be thinking of jumping boat and divorce my wife so I can try to get things back financially for the the sake of my kid and myself or should I stick it out for love too? I told her I'd rather be miserable for a long time before jumping to divorce because I've always felt divorce was too easy but divorce doesn't feel like the easy choice leading me to wonder if I've done what I've said and it still isn't working. I just feel like I am at my wits end!
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