I would never disagree that it is fiscally responsible to save for education costs or to pay cash for a new car but to do that at the expense of being able to afford your monthly responsibilities is Not. I don't understand that but it is your money to manage. The trouble is - you are worrying out loud here. And that means it is a problem for you.
So my question is - do you come here to vent or to find solutions & sympathy. We are good at both but we need to feel that our help is respected. If you don't heed any of the advice - why bother asking.
