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

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[quote=Anonymous]didn't op say that daycare + aftercare was only $2450? a fulltime nanny for 40+ hrs/week is going to cost way more than that. in fact, whatever child care situation op has seems to be a good deal for three kids. she's even found a way for grandparents to subsidize enrichment. op, there are camp programs with aftercare that cost less than $450/week. just search a little harder.

I agree with the pp's who suggest first focusing on getting rid of the cc debt. how much are your monthly payments? are you making any headway with the interest you're paying? maybe you can make a dent in the cc debt by reevaluating your car situation.  op didn't mention how much the car payments are. op, what's wrong with a trading in the suv for a used Honda civic? you don't need the suv. too much gas, short longevity, superhigh property tax. you can fit three carseats just fine across a civic. I do it with my three kids.

can you refinance your student loans? don't they have programs to temporarily adjust payments? that way you can focus on the cc debt, then return to focusing on the student loan debt.

then, are you able to refinance your mortgage? what's your rate?

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