I would definitely look into trading in your car for a cheaper one. Eating that money now saves a lot of interest over the life of the loan and gives you more cash NOW to pay off that debt. Then, take a hard look at what your NEEDS are per month in terms of expenses. I used excel to do that. Maybe get rid of cable, pare down cell phone, etc. etc. I plan our meals in advance to help cut grocery costs, make big pots of things that we can eat as leftovers so we aren't tempted to eat out. Research some tactics to help you decide what you need and don't need. Everything leftover goes towards debt. I've been down in the dumps, but being honest with myself about what our needs are has helped tremendously and I plan for every penny as it comes into the house. I'm not great at it, but am getting better. And I'd say DON'T stop saving. It's not an overly aggressive amount. Cut your expenses, but don't stop what should be your first expense--you.
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