Money Woes

I'm excited that I now officially have my Master's Degree, but now I'm facing reality, and I don't like it. Adam and I both financed school through loans. That really was the only option for both of us, and really, what 18 year old thinks of other options? So, now, combined, Adam and I are sitting with a lot of debt in our lives, and although we haven't yet started making payments, I'm already freaking out about when that day comes.

Right now we live paycheck to paycheck. I exaggerate a bit when I say that, I do have a fair amount of money going into other accounts at the moment. One of those accounts if for wedding savings, so all that money will disappear. The other account I have way too much access to, and unfortunately I do not get much saved in there at a time...but there is savings in there at the moment. Anyway, my fear is that my school loan payments are going to basically be the amount of what I currently am setting aside into other funds. And, that's just me. what about Adam's loans?

I know once Adam gets a job the outlook will look better, but I just can't help but fear the worse. Right now we struggle to put gas in the car, and I know everyone does so I try not to worry about it, but it's true. I also struggle with keeping my credit card paid off. It's back up into the high numbers once again, and I realize I'd have more money each paycheck if I'd just pay off the credit card and leave it alone....I make $100 payments, so I would have $100 more a month.

I'm just upset with myself for not being ad diligent about saving money, and planning for paying for my student loans. I guess the dream of us moving into at least a bigger apartment won't be happening this year. Oh well, if that's what needs to be done so that I can still save money, while paying all my bills, and putting food on the table, than that is what must happen.