I have decided that, on top of all our other stressors in life (S's ongoing career/job search, still dealing with the aftermath of the custody battle) that if I can ease up on at least the financial stresses that will do us a world of good. I have decided that instead of putting $1,000 towards the credit cards each month, I will ease up and aim for a ballpark of more like $800-900, thereby freeing up some funds so I don't feel so panicked when we want to do something nice like have a romantic dinner out together. Or buy some new clothes. Or go see a movie that's not a matinee. B/c right now we almost NEVER do those things, and it's reflecting on our marriage.
I appreciate Dave Ramsey's "gazelle-intense" approach to paying down debt, but most of the folks he counsels have done stupid stuff with their money. All we did was try to win a custody battle so the baby could have a much better life with us. And we don't need to add insult to injury upon ourselves by struggling so much with $. Finally, I was smart enough to get most of the remaining debt--$11K out of $20K remaining--at fixed low-interest, at APR's of 6.99 and 4.99%. And the rest is currently at 1.9-0%, yes to expire next year but I'll deal with it at that time, now now. So I need to quit beating up on myself and making our lives miserable.
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