Hey Jenn - my suggestion to "skim" came from what I remember of your pay-off plan from some time ago. I thought there might be some "gravy" going onto the other debts that could be re-purposed for this one time need. Sorry if I sounded flip about it. I thought there was some extra going out to pay off a few things.
As for Brads habit of bad money usage........... maybe its time for his racing needs to come out of his own allowance? It's his hobby so maybe he should have to be responsible for funding it. Maybe his allowance plus whatever overtime or odd job money could be his to spend on his race car? There has to be a line drawn someplace. But I'm sure figuring out where that line should be will not be easy or pleasant. Purhaps you could suggest a cash only deal -- if the car breaks and theres no money to fix it - then the car sits until the money is gathered. Or take a season off and let Brad figure out how to build a working car fund during that year?
Is he even slightly willing to be more responsible about the finances? Or is he dead set on staying in the same willy-nilly spending style?
I'm sorry you're constantly dealing with this frustration. There's few things harder to deal with in a marriage than how to handle the finances.
1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
2. Eat to heal
3. Move to live
4. Embrace today
5. Live with intention
6. Respect my body
7. Cultivate joy
8. Find my passion
9. Meditate on peace in my soul