[Tree0164]

Cut up the credit cards.

You need more income. Grab a second or third job even for a few months and focus on getting the excess of $12,000 paid off. Even if it is pizza delivery well worth it.

You mentioned car payment. Can you sell your car and buy an older one and get rid of the payments alltogether?

Go to a prepaid cell phone if you need one at all. Check out the articles on prepaid cell phones in the financial archieves.


Also if go to your local library and read any of Dave Ramsey's books.