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[quote=Anonymous]If you really want to turn things around:

-No trip to CA, can't afford it

-apply tax refund to credit card debt

-adjust your withholdings asap, apply additional monthly income to debt

-cut gym and ALL extras, switching to cash or prepaid debit cards can help with this, apply to debt. Really watch your food budget, no eating out.

-find ways to increase income (sell items on craigslist or ebay, watch a neighbor's children 1/x in addition to your own), apply to debt

-if you do all of this, you can have all your credit card paid debt paid off and the start of an emergency fund in less than a year

-consider major lifestyle changes down the road if you are unable to manage on your budget (moving to a less expensive home, going back to work, downsizing to one car, etc)

Good luck, OP! Consider that the temporary inconvenience of stringent budgeting pales in comparison with the joy of being able to offer your children financial stability in your home. Get your kids on board with saving.[/quote]

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