What if you dont pay???? HELP
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What if you dont pay???? HELP
| Mon, 10-13-2008 - 2:11pm |
Husband and I have about 28-30 thousand in Credit card debt....
to start this happened with paying some medical bills with CC because the monthly payments were lower than the medical bill payments....
we were living paycheck to paycheck but paying the min on all and then gas,food ect...started skyrocketing.
Then we were forced to put Daughter in daycare and now there is another 300 a month that absolutely has to be paid...

First off, please don't panic and hugs to you. You are doing your best.
I would start by writing down all your bills, expenses. Even if you THINK you know them all I guarantee you are forgetting something. For the time being can you cancel "extras" like cable and cell phones? Or drop to the lowest possible package? Also, ANY WAY you could find someone who would trade favors for daycare? Maybe you watch their kids and they watch yours? Just a thought.
Once you get your numbers of what you are spending post them here so the ladies who are better at this than I am can give you more advice. You'd be surprised by what YOU think might be a necessity that someone else can encourage you to get rid of or change.
Chin up - you will somehow figure this out.
Goal: Debt free by January 2010 so we can build our dream home!