There is no 'instant' fix to reverse those old mistakes. DH needs any part time or flexible hours job he can find to bring in more income while his photography business income is insufficient to meet family needs. [Frankly, he needs to do a needs assessment to determine the viability of this business decision. Given the popularity and flexibility of digital cameras, many well established professional photographers are transferring their skill sets to other occupations].
Your FICO score was fried when TCA took over old debts and you must research your options. Have you tried to re-negotiate those high interest loans? Have you applied for a 2nd deferment of student loans? Have you looked at the new Bankruptcy laws? Have you read Amy Dacyczyn's Tightwad Gazette [available @ Library]
What actions are you willing to take to reduce operating expense to their lowest possible amount? What contracts will you cancel before Nov. 1st? or December? Will you let Christmas focus on goodwill and religious aspects rather than gifting?
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