Finally bucked up and opened a joint account with Hubby. It took some quelling of the urge to be in control, but obviously I cannot control my spending and he is much better at handling bills n’things. Also enrolled in a program at a non-profit to pay down my debt. I cried for two hours that day and Hubby and I went out for veggie burgers after, one last flush of the money-swallowing toilet, but it’s turning out all right. And now that we have a budget, we KNOW we have no money instead of blindly spending and going “Oh, shit! How are we going to pay that bill now?!” I feel at peace about it. I will be debt-free (except student loans—oi) in three years.

Scary, but it had to be done.