What you need to do is figure out what you make and your monthly expenses. Once you have it WRITTEN down, you can act on it. Make sure your ‘4 walls’ are taken care of – housing, food, utilities, transportation. Those are things that MUST be paid. Everything else
after that is negotiable. Do you have enough money to pay your current bills? If so, anything left over goes towards debt. List
your debts lowest to highest. Make the minimum payments on all the debts except the smallest. Throw everything you can at that one.
When that one is paid, take what you were paying them, and any other money you can squeeze out of your budget and pay on the next one.
and ask for some assistance in where to get started. My friends call me Kat.. I am a Mom of 6 and work full time. My husband is currently not employed and has some gambling issues. All of our children live with us and one daughter is now expecting. 2 of the kids do contribute to the household. Our finances are a mess, some weeks we don’t have enough for food. Every single bill is behind. So far I have been robbing Peter to pay Paul. What I am most confused about is that I make a decent salary and bad choices I guess. Currently we are paying 2400 in rent monthly (current and past) because we were 5 months behind and I had to make an arrangement for us to stay in the house. Essentially we are living on 1400 a month. Our payment plan is done now and we will only have to pay the current. Because that 800 a month will be now available, I want to make sure I am making the right decisions. My fear is the other bills have suffered because we were focused on the rent. Any suggestions? I was not sure what other information to put out there.