First and foremost, you have to understand what caused the problem in the first place and fix it, permanently. Otherwise, you'll get out of this debt and only get new 5 years from now. Cut up all the credit cards, and never get one again. Ever. It's plastic surgery for your financial future.
Realize the difference between a consolidation loan and a consolidation company. If you can't get a personal loan at a bank or a home equity loan, then you need to stick with the situation you have now.
Your interest rates are awfully high on everything, especially your house. I would try to do a cash out refinance if you can, and use that to pay off the highest interest rate cards first. If you can just do a regular refinance to about 5%, you should be able to lower your mortgage by about $200 at least. That would help out a lot in itself.
Surely there is something to show for $27,390 of consumer debt. You could list this stuff on Ebay, take it to a consignment auction, etc, and then have a yard-sale for whatever doesn't get sold there.
Start looking into a second job. Pizza delivery boys make $10 an hour plus tips here. Try working fast food, at a gym, anything. My neighbor is laid off and his wife is working 3 jobs to pick up the slack. You can make up the $600 a month with an extra 20 a week at $8 an hour. If your wife gets a second job too, that's an extra $1,000 a month easily, ought to be closer to $1,500. At that rate, you should be able to pay at least $500 a month more on the principle.
It will take you a while to get out of debt, but you also need to be an active partner in your financial fitness. You and your wife need to do the budget together each month and make sure it's balanced.
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