How in H.E. Double hockey sticks do you ever get ahead?! - I (30F) am just frustrated. I don’t understand how to even begin to move forward and get ahead. Money is the worst!!
I am at a big adult job now and make 65k which is the most I have ever made. It’s awesome and I love my job it does keep me busy but overall it’s great with good people. Every month I pay 3k to bills (rent, child care, utilities) this leaves me with $400-$500 every paycheck, which is the 15th and 30th of every month. I know it seems like a lot but it’s not.
I have a husband (41M) who is graveyard and doesn’t make much but gets paid weekly maybe $450-$550 a week and a toddler (4M) who takes a lot of time and money obviously. Car payment is auto take out $288 and second one I try n pay $350 so we aren’t paying $680 all at once. I’ve had to take out a payday loan and it’s been eating at me. Credit cards are maxed out for gas and food and it’s hard to pay them and not use them.

I feel like I’m drowning. We barley have $15-$20 in our account after everything. I guess my question is, does it ever get better? What am I doing wrong to have it so near death every month? What in the world can I do to do better?

I was thinking of a second job but then I would never be with my kid or even sleep. I feel so torn I think I just need some personal advice on how to make it work.

Thanks 😊