Breaking Free of Debt 2012

I let my wife handle the money and bills. I knew it was bad, but not this bad. My wife is a teacher, but we will be left with no disposable income to pay bills after we try to catch up on rent. I am unemployed, save for a few substitute teaching days, which are usually few and far between. I'm a certified teacher, but no jobs are available where I am. Making matters worse, my G.I. Bill hardly covered half of my education and I have that debt drowining me as well.

We acted as if we were Rockerfellers, when we were closer to the family in the Grapes of Wrath. This is my wife's second marriage and her ex-husband had a great job and they both made good money. I'm former military and saddled with debt from college not to mention credit card debt.

I am so embarassed to tell my family and friends. I am unable to keep food or medicine down at this point, so scared we will get booted out of our house and living overseas, nowhere to go. I feel so trapped and hopeless, how did I ever let it get this bad?

So embarassed and sick to my stomach. Approximately $20,000 in credit card debt and about $20,000 in college loans between the two of us.

My wife is going to turn over money, budgeting, and bill paying to me, but without money, it is difficult to fix this mess we both of have made. I am hoping there are generous people out there that would like to pay it forward. I definitely will try and return the favor when I can. I would appreciate any contribution, every little bit helps.