You didn't get here overnight so getting this fixed will require some effort on your part also. The good news is that if you are committed to being debt-free - it is possible: Here is few things that I would recommend: 1. Eliminate expenses that are not essential - get rid of the cable TV, buy digital antenna instead. You can still have access to some HD programming, and will not waste your time watching programs that give you no benefits.- cancel gym membership and go jogging or running in the local park instead You get the idea. You know your budget better than everyone else. Analyze every single item. 2 Buy groceries on sale or use coupons 3. Consider getting rid of things at home you don't need, do a garage sale or post craigslist ad. The second most important part is increasing your income. There are many opportunities to work from home nowadays. Consider what you are good at. Try to find the need out there and come up with the solution to solve that. There you have it, you can start a home based business like that. You will find a lot of helpful resources here:http://www.daveramsey.com/home/
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”
1. Improve your income situation2. Plan now for a career after the kids are in school3. Minimize lifestyle expenses.4. Pay for everything in cash
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