DH found out about my overdraft, need advice!

[Hashitthefan]

Have name changed for this. Basically DH opened my bank statement and found I'm significantly overdrawn (but within my current limit). He had no idea I was overdrawn at all and is so upset with me, and in general. This is not the first time this has happened and it is all my fault and no point in pretending otherwise or making excuses. I am a SAHM and have been since birth of DC3 as DH works away all week, too complicated with all 3 being in different places and also DC3 has some health problems (not too serious but enough to keep at home until under control) and basically I have been spending far too much, not on clothes or social life just things like petrol, shopping or stuff for DCs. I want to pay it off myself but I'm struggling to think of anything I can do which will let me stay at home and earn money, probably because there's nothing out there! Does anyone have any advice/ideas? DH so upset and I don't blame him, I need to put it right then cut up my debit card!

(I ask if you know his salary, because sometimes women have posted in similar situations and not known. In that case, your budgetting is always going to be a stab in the dark...)

OP I an also crap with money, DP isn't so I feel your pain. You need to keep receipts for what you are spending for a couple of weeks so you can really see what you are spending on. I agree with whoever said "top up" shops are fatal, I went out for a bulb yesterday and spent £10.

You then need to ask for a realistic amount to be put into your account and then you are resonsible for budgeting from that, this will help you learn to budget better. By keeping your receipts for a few weeks you should be able to work out what a realistic amount is.

Every couple has a different financial set up (ours would be quite unique.

This set up would kill me.

I am a firm believer that women need to earn their own money to escape from situations like this.

I am a single parent OF JUST one and don't earn a great great fortune. £150 would not even last a week let alone a month. You should have money for yourself and treat yourself when you fancy. It's not on being budgeted like a child by your other 'equal'.

I learnt a long time ago never to rely financially on a man husband or not. Financial freedom is the best thing you can ever do for you and your children. Please think of getting back to work.