Endless frustration

Today was less awesome than yesterday.

So we have an old kind of junky car, which is partially our fault, when stuff breaks on it we usually don't have the money to fix it. So now we have a little money and we have a LOT of fixing to do, enough fixing where we asked ourselves if it was worth it. We decided to try to get a new car, went in for a car loan, I was surprised to hear that each of us have a better than average credit score (not super great, but better than average), Skulls is 2 points higher than mine *shakes fist* damn him. Anyway, after carefully considering our budget and income and expenses we decided that we could afford a small loan that would have a payment of $100 a month or less (which placed us at about a $4000 loan).  Apparently the bank does not feel these way, so it didn't happen.
At least I finally got around to making a budget (which is boring and gave me a headache even though I already more or less keep to the budget) AND I know my credit score now, yay!

Now we have to get the car fixed....which kind of sucks, but that is life and all you can do is keep moving forward.

Now the subject of money is weighing heavily on my mind. I am pretty good with money and some how, some way I always make it work each month but it seems like 2 steps forward, 1 step back, each time we make a little more money we have some expense we have been sitting on that it goes towards (things like improving the computer so that it can run the programs that Skull needs for work, fixing the car, someone gets sick).  My dreams for life have simplified, all I want is a little home, with a nice yard, a decent car and enough money to go on little trips to the coast or whatever a few times a year (well and to do that debt free and get out from under all the student loans blargh). I feel like we are just...missing something that everyone else knows about, that we are doing some little thing wrong and it is just keeping us down but I don't know what it is, that any little positive shift would set us on the way towards what we want. I guess that is what I have to keep working towards.