Before we start I'd just like to say no budget will ever work until you and your spouse finally say , enough is enough.. you have to truly not only be tired of being in debt but disgusted that you continue to allow yourselves to spend when you shouldn't.

You spent together ..you have had each others approval , He'll buy something he shouldn't so you spend on something you shouldn't . Then the collection letters and calls just continue to grow as does the stress and fighting.

You work your way of out debt this together without blaming each other. Setting the budget will be the easy part , actually sticking to it will be the had the part. A Household budget will only work if you both stick to it. It's OK to fail on your budget occasionally ., it is not OK to start the blame game or to think that just because failed today that you'll fail tomorrow.

Work at it everyday for 6 months and at by the end of 6 months living by a household budget will just be second nature..and you'll be amazed at how simple it really is and amazed at how much you were spending on total junk .
 

Read the United States Bankruptcy Code