1. I am not a good money manager. My husband is worse. I manage and it’s scarier now that we are on a student budget. So much right now is balanced on no emergencies because there’s nothing extra. Nada. And thrres already been unexpected expenses. Most of us have been where you’re at. You’re human and this doesn’t define you. Most banks will forgive a fee once a year, especially if you are a good, long term customer. It never hurts to ask and it’s worked for us multiple times (I’m embarrassed to admit). I like your pastor’s advice and I’ll add that you are individually loved by God and he knows your struggles. When Jesus suffered and took our sins upon Him, He also took our heartaches, pains, discouragements. He understands. You are not alone.

  2. We’ve all been there. It’s only by the Grace of God that our noses are above the waterline now. I hope one day to get the rest of my head there.

    Hang in – it WILL get better. The timing just sucks.

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