Sandi2: Yes I am ready to do the work! I have been looking all over for the solution (I was even on Dr. Harley's radio show) and am so glad I found this site! I have a full time job and have been at the same agency for the past 8 years. I do social work, so I don't make a lot of money, however I do make almost twice as much as my wife and the bills are separated accordingly. I just don't have enough money to be able to help her the way I'd like to. Every time we talk about finances, she gets so angry and repeats that she can't have that house she has always wanted and she can't afford to pay all of her bills, but that she will do it on her own like she always has. I desperately want to be able to give her that house she's been dreaming of, but my debt to income ratio is horrendous and my credit score isn't up to snuff. Thank you so much for the advice! I can't tell you how much it means to me and having read some of your posts I respect your opinion immensely.
