Where Do I Even Start?

[Seeker]

Second Jobs:
My husband receives regular business doing photography, mostly through friends and co-workers. This comes at little to no cost to us, except his time which is by no means a lot. I received some criticism about this, but so far there have been very few negatives and financial cost to us as his business is becoming well established and he has several repeat customers.


When I add up the facts and your acknowledgement that you have made poor financial decisions in the past...I point out again, your husband has the option of seeking some part time work to enhance family income since his business does not take up a considerable amount of time. It's great to operate your own business and be self employed but it's pretty self indulgent when you need to dig out of a self created financial hole. His ego needs to deflate while his contribution to family income needs to inflate!

Snafu, she put all of this under second jobs.... so isn't his photography work a second job already (It sounds like he has a full-time work-for-somone-else type of job already and does photography for his second part-time job though some of his customers are co-workers from his full-time work).

He doesn't have a lot of time -- which I take as he's working two jobs already.... not one part-time hobby job. Am I missing something?

[snafu]

If I misunderstood, apologies to OP; I thought DH chose to be self employed

[carpevacationum]

Not sure if this is possible, but could you trade both your cars in and get two that are cheaper? Right now there are a lot of 0% financing deals going on that could possibly cut your monthly payments significantly even if you wind up buying new cars. Maybe something like a small Hyundai or something?