Originally posted by nore
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My Debt Situation - advice please
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I Had My Share...
When I got my first apartment, I had 5 credit cards that amounted to about $7500. I could not afford the monthly payments anymore, so i went to a loan company, and consolidated my credit cards to make 1 payment each month. Hopefully, this helps.
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I would tackle CC debt and car. You have a lot in car payments. If your wife isn't working can you go down to one car? However, those who say just sell the car, well I never found that to be very easy so you may be stuck with those. So, i would really focus on paying those CC's in full, one by one. Then, i would close them until i only had one card left. And, i would try to live as simply as possibly, brown bag lunchs, no eating out, no vacations, etc until thos are taken care of. I would probably just keep the cars as is and suffer the monthly misery to reinforce that i never, ever want to get into that much car debt ever again.
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