Our Spending

My husband and I have two beautiful children. Our daughter Kaitlynn is 3 years old and our son Kaleb is 1 month old. Like many parents we aspire to give our kids the world. They deserve it! We would like to put our kids in private school, but it costs 6,000 dollars a year. And by the time our eldest goes to college at a good university it will cost nearly 190,000 dollars for a four year degree. So my husband and I have to ask ourselves, how are we going to be able to pay for all this if we continue down this path of debt? Don't get me wrong my husband and I make decent money, but we could have so much more and save so much more if it weren't for the debt. We have tried numerous things to make ourselves stick to a budget. We gave ourselves 400 dollars every two weeks to "spend", but at the end of that two weeks we found ourselves spending money from other accounts! I have to say that our biggest spending problem is eating out. We eat out entirely too much! If we could just curb the frivolous spending we would do a lot better. I have a hard time keeping track of the money I spend too. I have tried writing it down and I have tried just carrying cash, but nothing seems to work. My husband gets very frustrated with me. I am by no means out shopping for myself, I just do most of the spending for everything. My husband seems to think our relationship when it comes to the finances is more of a father and daughter one, rather than a husband and wife one. He is probably right. The other night he asked me "If I died could you handle our finances?" My answer is simple, No. I don't know anything about our finances. I have always left the saving, budgeting, and paying of the bills to him. I really need to get more involved. The truth is that it just doesn't interest me much. With everything else I do around the house and taking care of the kids I find the idea of having to sit down and pay bills exhausting!