My husband and I have always had separate bank account and financially we did what we wanted and never talked to the other about our spending. I feel like I make decent money and I am at my wits end because I get paid and everything goes to bills or to minimum payments. I stopped about 1.5 years ago putting more money on my credit card payments because I needed the money for bills. Today I just calculated my debt to income ratio (putting my husbands debt and income with mine) I was shocked! even after taking our mortgage out of the equation we owe $40,972. When I was looking at just my credit cards or my car payment it didn’t seem like an awful lot of credit. But now, I feel like the wind is knocked out of me. I am not even 30 years old and I owe almost as much as I may. I felt really really scared. but I am thankful for this article because I was referred to a legitimate credit expert HACK UNITED9. I contacted him and he helped me consolidate my debts and repaired my credit score . I can’t thank him enough for boosting my score to 798 and deleting all 40 negatives on my report. If you need a credit score fix, I’ll advice you to contact him quickly with your payments ready so as to hasting the repair process. This is just what you need to motivate you. things are going to change! things NEED to change. Contact him fast *(HACKUNITED9 @ GMAIL .COM)* * 205.598.3011