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We Are a Dual Income Household Struggling to Get By. – Michelle

Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here.

“Dear Steve,

Currently a Dual Income Household with children, we both make an OK paycheck. But our struggles over the last few years with layoffs/factory shut downs/ new jobs/ more layoffs/ a sales job based on commission in a slow market/ and finally back to two regular paychecks has really put a strain on us financially.

I am having trouble just catching up and keeping the utilities paid and keeping everyone feed, not to mention the credit cards. I would like to formulate a plan to get it back together, and start paying these cards off once and for all. Can you help?


READ  Robert Says "Please help. I never knew financial burdens can cause so much stress."

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Michelle, I totally hear ya.

    We were a dual income family living paycheck to paycheck a year ago. Nine months ago I lost my job and then started a business. I spent my first six weeks of unemployment learning how to make frugality a science while I built my business.

    Knowing the cost of everything, swearing off eating out, and pinching pennies has helped us to pay off $30,000 in debt this year, and to cashflow all the costs of starting the new business. We think we’ll be totally debt free by the end of the year, and it feels great. I wish I’d known this when we had two jobs and money was much more plentiful.

    I won’t be taking abundance for granted again, that’s for sure.

    Good luck in your journey. Make your list and your budget and STICK TO IT. I used the free service to tame our expenditures and identify them all. My husband and I have also enrolled in Financial Peace University. Your family might benefit from this as well–it teaches a lot about taming that financial dragon.

    Good luck!

    .-= Jessica´s last blog ..New Addition To the Virtual Family =-.

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