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Reply to "S/O How to be comfortable with debt"
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[quote=Anonymous]I hate debt, it keeps me up at night. We have never carried balances on our cards until DH lost his job at the end of 2011 and was unemployed for a year. I started working, thank God, but we still wracked up about $40K in cc debt. Im nauseous just writing it!! DH finally found a great job paying what he was making before losing his last job but I just dont see how we can pay it off. We already live modestly. I am seriously considering using retirement to pay it off....and hit the re-set button - wipe the slate clean if you will. While I know it's a huge NO-NO, I just dont know what else to do. I know there will be penalty and taxes but in 2012 our income was only around $40K - for a family of FOUR. If we use some retirement before Dec 31st then we wont be hit with such a huge tax bill come april 15th as we basically made nothing this year. If we wait till next year ti will be a differnt story all together. ugh....I have a headache....[/quote]
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