don't give up
Several years ago, while I was married, we owed-not alot, but we did owe on credit cards and autos. Now, I am a single mom of 3, with only my income, and am in better financial shape than I was with 2 people bringing in an income. I paid cash for my auto, all credit cards are paid in full-most are gone. I kept my sears and a visa, for emergency use only-but carry no balance on either one. I make an extra $75 on my mortgage payment every month. My first paycheck of the month goes to the house payment and my daughters school tution. The 2nd paycheck of the month pays my utilities and goes to savings. Don't give up. you can get out of debt. As you do get out, take the money you were paying towards one bill, and start applying it to the next. Cook from scratch. If you dont need it, dont buy it. If you do need to buy it, buy it used. Rent out a room to go towards the rent or house payment. There is a way out. Brainstorm-tell yourself you will come up with 101 ways to get ahead. Then review your list later. Some of the more silly ideas will later spark an idea to a more realistic one.
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