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A New Hope

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The Good, The Bad, and The Ugly

My wife and I were recently married and were blessed with our first child together. We have come this far by trying to out-earn our bad habits and mis-management (to varying degrees of success).   Let us begin with the good. All bills are current Emergency fund of $2500 No car loans Committed to the budget (YNAB) Two (2) good sources of income The bad (her) Approximately $13K in credit card debt Approximately $23K in student loans The ugly (him) Chapter 13 Bank

Valjean

Valjean

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