I'm sorry you're in this debt situation. Congratulations, though, on facing up to it. Fixing it will be a great life lesson, and if the debt was a byproduct of getting an education, it's still money well spent. The burden of the interest is the painful part, of course.
Since you're just starting with tracking expenses, it will be a few months before you get the full picture of what they are. Knowing and planning for what they are will help you avoid adding onto the debt. Not increasing it, especially if you take a loan, is very important.
Borrowing from family may be a bad idea, but if the grandparents like to buy things for the baby, or if they give you birthday or other gifts, you might suggest that they give you things you'd otherwise have to buy- or even gift cards?
|