My husband and I have been married a year and a half and we have a two year old son. We are both employed, him, fulltime, me, parttime, but we barely make our bills every month. I have been looking for a job since I graduated college (about two years ago) and the one I have is the only job I can find that hasn’t laid me off.
I think there might be a deeper issue related to being able to control your spending habits. With both of you working it seems that there should be plenty money for the necessities you have. So I suggest you comb over the things you spend money on and see what you can get rid of. Cable TV? Newspaper, Starbucks every day, dry cleaning, unlimited data packages on your phones. These are but a few things that initially don’t seem like a big deal. Yet, take a phone data package. 30 dollars a month. Over the year that is 360 dollars just so you can surf the web on your phone? That’s one phone two phones doubles it obviously. Add up how much you eat out, how much coffee you buy. If you both are TRULY serious about your finances you will both sit down and figure these small things out, because they are ultimately killing you little by little. If you don’t sit down and figure it out then you may as well stop arguing about money because it means that you really aren’t serious about changing your life through managing your money more effectively.