well my FIL figuared he would pay off our 2 loans!! So it will be almost $700 back in our account a month! SO I will pay alot of in the next few months!! Thank God that he is in the shape to help us!

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Casey loving wife to Steven mom to 4 bratty girls Amanda, Rebecca, Jessica and Makayla
Where did my baby go

Do you own your own home? Depending on when you bought it and what kind of interest rate you have on it, you could consider refinancing. That is what we did last year and we paid off all of our debt except our van (0% financing on it for another 13 months) and, of course, our mortgage. We rolled our debts into the new loan amount for the mortgage and still came out with less monthly total of outgoing money. We cut up and cancelled all credit cards and haven't opened another one. That has been hard on me because I have had a credit card for more than half my life, but it has really helped to not have that revolving debt.

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This is a HUGE blessing for your family! It will also motivate you to stick with paying off your debt to honor his blessing on your family. Best of luck! Maybe make up a possible game plan on how to pay off your debt before your DH gets back. That way you'll have something in hand that shows you're serious about it and want to make a change in 2007. :D

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Thanks!! We live in military housing so we do not own.

One day at a time right now. I will update soon.

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Casey loving wife to Steven mom to 4 bratty girls Amanda, Rebecca, Jessica and Makayla
Where did my baby go

Ok. Off topic, but what made you think you had Adult ADD? What symptoms were there?

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Make someone's heart smile today.

I've struggled with CC debt for 10 years and this year I have vowed to get it paid off. First, I had to identify why I shopped. 1. I always was taught that people judge you by how you look, so I always had to look sharp, 2. Really didn't understand the conseqences of debt, 3. out of boredom and 4, just couldn't stand to miss that GREAT deal. But the 2 years, I've really put my head to the grind and doing it. It's not easy. It's hard, but here's what I did and I've paid off, almost 15,000 on my morgage, paid my car off in 3 years vs 5 and have paid off 12,000 in CC, still have 16,000 to go.

No more plastic, Not even a debt card. I set up a budget and included savings, of 10% from each check. I did no extra shopping until all my bills were paid which usually was around the 20th of the month. You make the necessary adjustments. I'm using up what I have in the house and that is making a huge savings difference, I had almost 500 in checks from work (hospital) that I have not used for groceries because I've been so well stocked up. CAll your cc companies. That's what I'm in the middle of doing. I'm trying to get my discover card to come down, I have 9000 on that with a rate of 13%. I just got an offer from Chase of 3.9 until the balance is paid off.
Make sure your utilities are what you need and not paying anymore. Cell phone, cable and such. I also have a book, that every payment I make I record and helps me see I'm doing it.

I had the 2 realizations doing this. One was when I seperated that I had too much debt and I could not qualify for a mortgage or anything in my name so I wanted to improve that and also I didn't want to go back to work just to afford CC and daycare.

I do shop for quality vs. quantity, which was really hard for me. I still shop at Target, I find their stuff holds up pretty well, but we have outlets, and I love the children's place outlet for the kids. Pants and top for $1 or $2 a piece I couldn't do that at a yard sale. Take notice of what is a want and need. I have found since doing this, I have the time to sit with my kids and play, or do my nails or take a nice bath, all things I longed to do for a long time.
Debt robs your of time and money. It's seems as an easy fix, but it's not. HAve you looked into the prescription coverage that Montell mentions about, I don't know what you medical or prescription coverage is. Right now we're paying almost 700 a month for medical, dental and prescription. But for 3 months if we opt for generic RX there's no co-pay. Also ,build up a Emergency fund. THis past month, Decemeber, we got hit hard and really had to buckle our belts. Brian went hunting for a week thinking he had vacation time, well, no and he didn't get paid for a week, our septic went on x-mas day of 350 and I spent New YEars Day in the ER for 100. That's a must. IF there is anything I can do to help, just PM me. Good luck.

My impulses were out of control. I jump from one subject to another, my house was never clean as I jumped from chore to chore without finishing the other,

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Casey loving wife to Steven mom to 4 bratty girls Amanda, Rebecca, Jessica and Makayla
Where did my baby go