@Alligator, oh my gosh don’t worry about judgment here!! I feel so self-conscious talking about TTC another baby when we’ve literally lost 80% of our income because of this god awful never ending pandemic... DH is a bar manager and we were absolutely thriving and now it’s shut until there’s some kind of treatment or vaccine. There’s just no way around it. It’s awful. I am also terrible about money (my dad always made a ton so I never even had to think about it and he also pretty much got us everything we ever wanted, which turns out to be NOT a good thing long-term...). I have gotten 1,000x better in the last decade thanks to DH, who is super careful and organized with money (and with everything).
have you followed the Dave Ramsay system? You’ll feel so much better and in control! Can’t recommend him enough.