Reply to Earning Well but Drowning in Debt...how to dig out?

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[quote=Anonymous]I really hate when people start these threads and then only respond to people they can argue with and with "no no no" instead of a meaningful discussion and exploring options with people that have thought through things for them.

I like the PP who pointed out that OP's initial thought to just hire someone to do this for them was particularly telling about how that type of instant gratification/lets pay money to get something done is what needs to change, and its really the key to this whole issue.
It will probably involve marital counseling since she says her husband is not on board. If there is a divorce this family will be dead broke and OP will be really suffering on what kind of lifestyle she will have to have.
I disagree with the poster who suggested just waiting, basically passively,  until each child goes to school and that money is freed up. That should be part of the "snowball" effect but OP needs to free up at least $1500 every month going forward in addition to paying down the CC with $40k savings and then attack the car debt.
I suggested previously (well many things that were ignored) I sell 1 car for a commuter car that is cheap and cannot fit 3 car seats (like at $10-15k sedan) because the drop off-pick is divided and one child is clearly now in elementary school and doesn't need a car seat. 
So why is OP hanging on to 2 vehicles that can handle 3 across?[/quote]

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