I know I shouldn't say anything about articles that other writers have written but this is really starting to bother me. I just love when they say something along the lines of "pay off $20,000 of debt in two years." Really? Here's the problem with that, in order to pay off that kind of debt load in two years, you not only need to make the monthly minimum payment but tack on an extra $833.33 a month. Step back into the real world. We have other things to pay for like the mortgage, food and children. It really can't be done unless you move into a cheaper place to live and good luck selling your house. You could always stop eating or find a way to get someone else to cover the costs of your children. It just doesn't work. I believe you need to find a solution to the problem from where your standing right now. First stabilize your situation. There is no way you can dig out if your not even on solid financial ground. Find a way to pay all of your bills without using credit cards. Cut back so you have some wiggle room and then throw the few extra dollars you have at the bills. You really have to work with what you have at the moment. Sorry but this is really starting to chap my @$$. Sure get a second job and have no time for your children. Better yet, let them raise themselves and see what you get. Maybe it's better to be realistic about getting out of debt. You are never going to succeed if it isn't a workable plan. Sorry just needed to be difficult and argumentative.
Thanks for Reading,