Honestly, as someone who had about 13000 in vehicle debt and 12000 in credit card debt, and pays 600+ in cash child support and about another 2-300 in medical/dental/school fees… you are doing all you can.

It took me a few years of working and working hard to pay it off. But, just keep your eyes on the prize and don’t make silly little mistakes.

A coach taugth me in junior high a very important saying, and it is so true…

Make all the easy plays, and half the had ones.

In personal finance, the easy plays are not nickeling and diming yourself to death.

The hard ones are choices like - where to work, where to live, how many kids to have, how much schooling you should get.

First relax. You are going to get sick and that is really expensive ( especially if if your husband or you don’t have health care).

If you and your husband are working this hard and cannot pay the debt you overextended yourself before. Maybe is time to think in bankruptcy. If you don’t want that then you have to work with a debt consolidation agency. There is not other viable way.

Good Luck

Well, I can tell you what I do that is great for extra money I take free 3 minute surveys and get paid. There is no cost and no catch. Checks are mailed at the end of each month for completed surveys.

This is great for moms while your child naps, teens, and students.
You can check it out at:

Well you can try garage sales and craiglist to sell some stuff you dont want anymore.

I think you should reconsider credit card consolidators. They really can help people who are having problems making their monthly payments.

You can also watch Suze Orman on MSNBC, she usually has a lot of helpful tips and maybe you could even call in and ask for her advice.

Good luck!

if you have the time to be on the internet, you can make a little cash online. plus you need to do what you can to reduce your current expenses. helpful tips below:

Well if u r really in Bad condition and u dont have money .
Last week my friend also gone through the same condition he was searching for “Bad credit loan”
while searching on YAhooo! , Google or Msn i dont exactly know he found a site there he got about 12 lender links which are Ready to issue loan for 15 years even with bad credit .
Well u leave it (its a long story )

You go to

> Bad credit loans

Note : There u will get about 12 links in that sec. you check all links for lowest interest rate my friend got 3 % annually interest may be by searching u get more lower one so check links ok .

Good Luck!