Speaking of starting New Year with two steady incomes and card debt under control I must say that January 5th was definitely not a good day for news about our financial life.
To explain how things work, I have a steady income from my full time work, every month the same amount, I always know how much money I can count with. My husband has a very low steady salary and receives extra hours when he do them, meaning that if he makes 50 extra hours a month he receives his …