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- Booky does everything she can to make an enjoyable Christmas, for her family, during the depression as her father is out of work.
- Courtney and Chad were $30,000 in debt before they started their family, but found that having twin daughters, now fourteen months old, an additional burden over just having one child as they had to buy two of everything for the girls, which resulted in $20,000 in spending the first year. Their $120,000 annual joint income was also reduced when Courtney was on maternity leave, they making the decision to hire a live-in nanny as Courtney went back to work. Although they in general do not live lavishly beyond indulging in clothes for the children, they rely on their line of credit to finance whatever their spending. Beyond Chad's nicotine habit however, Gail points out that they do indulge on more "stuff" than they realized. The easiest thing that they can do financially is manage their cash flow better simply by requesting a lower tax deduction from work as they know they have a tax deduction for child care. Gail has to make them focus their spending on debt repayment to get themselves out of their hole, which may include the need for more income depending on how aggressive they want to be. She has to make them also focus on the lifetime cost of raising the girls and saving for those future costs. She also has to make Chad see the overall cost of his smoking habit.
- There has always been an imbalance in Ingrid and Jamie's twelve year marriage, that imbalance, especially as it relates directly or indirectly to money, which is placing strain on their union to the possible point of no return. When they first got together, Ingrid, the A-type personality, already owned a house, whereas younger Jamie, the laid back one, brought three guitars as the material possessions into their relationship. Now, Ingrid, who handles all the finances for the family, which includes two adolescent children, works freelance as a location scout, earning about $70,000 a year, that money which is sporadic depending upon jobs. Jamie also works freelance as an electrician, earning about $35,000 a year, also sporadic based on jobs. Ingrid believes their money problems, $42,000 of consumer debt, are largely Jamie's fault for not working harder to bring in more money, he who is prone to waiting around for the jobs to come to him, and not for him to look for jobs. That work also applies to around the house, those responsibilities falling solely on Ingrid's shoulders. Beyond joint expenditures for such things as family vacations, Jamie believes their money problems are largely Ingrid's fault as she controls the household money and thus is somehow mismanaging it. Gail falls squarely in the middle, seeing it as both an income and expenditure problem, the latter as demonstrated by the fact of their house being filled with stuff from one corner to another. She feels that the crux of the problem is their relationship, which is what needs to be saved before the finances can be fixed.