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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP, wish I had answers for you, because I too have my own financial house to clean. I just wanted to offer you encouragement - there IS light at the end of the tunnel. You are not alone.

DCUM will have you believing that you are dumb, fiscally irresponsible, etc. because everyone who posts here has millions of dollars in their 401k by the time their 30, and fully funded 529s for their 4 kids, but there are millions of others who aren't there yet, and that doesn't mean that you can't improve your lot and catch up.

Keep doing what you're doing re: living frugally and thinking of ways to improve your income, etc.

[/quote]

OP here, and thank you. People love to pile on on this site.

I suffered extreme trauma as a child and young adult and had no family support or guidance. Life was very hard for me until I got married. My DH grew up poor. Certainly all of our choices haven't been perfect but there's been some chance bullshit we've had to deal with. We are doing our best.[/quote]

OP, I am not the PP but share his/her sentiments.

Just keep doing what you're doing. See if you can dedicate your entire salary - part time, tiny, whatever - to paying down debt. Minimize expenses to the extent possible. Pay down higher interest credit cards first. You are not going to do it overnight. It's a lot easier to spend money than it is to repay it, but with time, you will get there. There are no magic bullets. Just a lot of hard work. Don't let these harpies make you feel bad for your choices.[/quote]

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