I understand that a car and a cell phone are important. But they don't have to cost so much. I bought a car for $1750 and it is perfectly reliable. A few years ago, I bought a nice Honda for $2000 that ran perfectly until I had a little accident. My cell phone only costs me $45/month. Anything more than that and it becomes a luxury. I know it is very costly to get out of a lease, but how much longer does the lease last?
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Originally Posted by timetosave
I sit up at night trying to figure out who I can borrow money to get me out of debt
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Borrowing money doesn't get you out of debt. You need to focus on your spending habits to get ahead. It was a real eyeopener for me to track my spending for a month & tally everything up to see where I was actually spending all of my money. That made it a lot easier to cut back.