Hi! I'm obviously new here and a little nervous.  From the looks of it, I may be in the worst shape on this platform.   I'm 44.  Married.  From the great state of Texas.  I work full time.  My husband runs a business.  Now the not so pleasant stuff.  At this very moment I don't know what is in my bank account.  I have zero in Savings.  We are behind on income from my husband.  We are behind on our bills.  And I have $14 in cash in my wallet.

I don't want to say "Its time for a new me" because it sounds cliche.  But I feel like I need a change.  I have done well in the past.  I have even been debt free besides my mortgage, but that feels so far away right now.  I have read Dave Ramsey books and watched Gail Vaz Oxlade.  I have read blog posts here and watched budgeting TikToks.  But I'm in pretty rough shape right now.  

Maybe I should share more info but I'll save it for the next post.  Words of encouragement and wisdom welcome.

mrsfitz