I’m so thankful to have found you

Hi,

I’m so thankful to have found you!!!

I’m a stay at home mom (with arthritis and disk problems) with a 16 yr old daughter, a hubby that works 1 1/2 jobs, we have 1 car that is paid for and live in an apt.

I try and put what I read and hear into practice, but it doesn’t seem to help and I don’t know why. Every paycheck we are overdrawn. We have no savings and have to choose between bills or gas and food.

I would appreciate any help !!