Things are going well for my spending freeze/FTJ - have stayed out of stores, focused on using up food from the pantry/freezer. Got Dave Ramsey's book from the library, so I'm getting inspired... BUT, DH is in a different mindset at the moment than me. He's always been the one who tries to budget, write everything down etc... but now that I have come around, he seems to have given up!!!!
I brought out our January Spending Log and noticed he hadn't written anything on it (and I know he's paid bills etc...) and he said, "What's the point? We are several thousand dollars OVER budget EVERY month! Why bother keeping track of THAT???"
This is a big shift in his attitude... he has given up. I noticed he was writing a letter to our lender about adjusting our mortgage. In it, he tells them if it can't be adjusted, we are walking away or doing a short sale. The same model home as ours just sold in our neighborhood for LESS THAN HALF of what we paid for it in 2005. I think he has finally just given up hope that we can hang onto the house... he worked so hard since he got his first job out of college to have "perfect" credit, and now he's ready to throw it all away. It makes me feel like any efforts I make are pointless too.