Dace
Revolution in Progress
Hey Angie....you mention debt but not what type so I assume it is consumer debt? You can keep your home and file BK, look into re-organization (not sure what that type of BK is called).
Also call all of the creditors and see if you can strike a deal. Stop using the cards (if that is the issue). It is a really hard cycle to break but you can do it.
We live pretty lean, I have no cell (dh does for work and my teenage girls do but they pay their own bill) no car payments, no CC payments, no on going expenses other than mortgage, utilities, groceries & gas. The only extracurricular that we pay for is my older two are in competitive cheer. So really, I understand when you say there is no where to cut back from!
Also call all of the creditors and see if you can strike a deal. Stop using the cards (if that is the issue). It is a really hard cycle to break but you can do it.
We live pretty lean, I have no cell (dh does for work and my teenage girls do but they pay their own bill) no car payments, no CC payments, no on going expenses other than mortgage, utilities, groceries & gas. The only extracurricular that we pay for is my older two are in competitive cheer. So really, I understand when you say there is no where to cut back from!