It's in your heart not your head The money has to come from some where. the
only place I've come up with is groceries. Get good tires on your car and
get some extra's away so you don't go to the store. If you don't
see it you don't need it. use cash, to keep in line with what you got.
Don't charge .
I know Dave says pay off you debts rather than bankruptcy. From my experience
it is best to visit with an attorney before trying to pay off debts. Many of
the creditors are not friendly regarding arrangements for payoff. Every
situation is different.
The most exciting time was when we worked hard at paying off our house. Every
month we'd pay off an extra $1000. Making the last payment was so
exciting. Next came the car payments. Since we no longer had a house payment,
we paid $2500 a month. A couple of months later we were completely out of debt.
What a wonderful feeling. A couple of years later I had to be treated for
cancer - bills for thousands of dollars were no problem, because we were out of
debt. I love it!
I was so excited when I paid my last credit card payment. Right now it's
just the mortgage. But with 4 kids, one starting college, keeping afloat takes
everything we have. It's hard to stay motivated -- especially in
anticipation of medical expenses.