I hope this doesn’t sound too dumb…

I know that the reason we are in debt is that we haven’t managed our money well – in fact we’ve never managed money well, but at the beginning it was better. 18 years later, we’re just in a mess.

I honestly do not know how to budget. It seems so simple, but it’s like I have this big block about it and until I force myself to get past that, I know things are never going to get better. We have horrible credit, and it seems like our bills exceed our income every month.