I'm in the same boat...fighting hard to keep our heads above water due to credit card debt run up in my stupid 20s. It's hard, and slow, and agonizing, and doesn't leave us any reserves if things go wrong. Especially with a kid on the way. As I often say to myself, "I make too much money to be this broke!"
But, I got myself into the hole, and with God's help and some hard work, my wife and I will get ourselves out.
}:-)4
Moose, thanks..now I dont feel so alone in my lack of financial discipline.
By the way, like yall we have a 3rd kid due in July. Congrats!
Im skitzing on debt in light of another baby coming.
I am working through the holidays to rack up some OT for savings. I may sell all my stuff on Ebay. lol
Have you ever listened to Dave Ramsey's radio show, or read his book? He's got a great approach to climbing out of financial holes.
I heard a preacher say once-- "Get raptured, and leave the credit card debt to the antichrist."
ha ha