I am also in week 4. My problem is not bad spending habits that caused our debt issues. 4 years ago, my wife and I were debt free (except mortgage) and had 6 months of living in savings. After two job losses and a healthy wage cut over the last 4 years, our nest egg vanished and we find ourselves in a sea of debt. The free-fall has stabilized but we are having to reduce our lifestyle AGAIN to compensate for a future that we have low expectations for.
I personally have given up on the American Dream for my wife and I. I doubt I will ever get to retire. Our goals are now to get our kids in a position to "beat the system" in their future. We are now trying to find a way to make their opportunities and possibilities attainable.
We are now reduced to keeping the American Dream alive for our children, excepting that our own American Dream is dead. We'll keep our sweating and bleeding to get ahead. But between my wife and I, we have 1 full-time job, 2 part time jobs and one small side-business we are trying to keep profitable.
(That's probably sharing too much now that I think of it.... Oh well...I'm not ashamed so I'll go ahead and hit post.)
We were doing well until two transmissions and a failed business. Back to the drawing board for us as well. Fortunately I have been the primary bread winner and my wife has decided to go back to work. We have a path out as long as we walk it.