ok- ok we know we are in debt we were ha
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|Thu, 05-29-2003 - 7:16am|
I have been reading many posts- saying cut things from your budget. what if there isn't anything you can cut out? we don't eat out- maybe once a month and we have a coupon for buy 1 get 1-- we have cable internet can't get rid of that cause DH uses it for work and gets reimbursed half.
I do work parttime in the evenings as a merchandiser about 15-18 hours I use coupons buy food on sale even will go to 4 different stores to get the best deals.
so how do you get out of debt? how do you find extra money when there isn't any to find. we went to credit counseling but since we aren't in "alot" of debt they can't really help us-- we will be paying them 180 more a month for 7 years- can't do that.
It seems you need to be way over your head for these plans to work-- we have about 23,000 in cc bills trying not to use them but it is hard when you need something and don't have the cash.
I was told if we had over $50,000 in debt we would be in a better place then we are now-- wow!! my DH is looking for another job- parttime but around here they only have 11pm to 7 am shifts 4 days-- he can't do that due to his work. I would do it but then I wouldn't get any sleep until 5 pm so I am at a loss and very discourage.