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Reply to "Help me spend my car payment!"
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[quote=Anonymous]It is not just your daycare costs they are getting you to credit card debt that high. Don’t fool yourself. I would stop saving for college until all that is paid off. I would also slash every possible thing and eat beans and rice rice and beans, to quote Dave Ramsey, until it is paid off. You haven’t mentioned your HHI or whether your spouse is on board or your total budget, but with the info I have, you are overspending. Period. Also, cut up all but one of the credit cards and pay in cash for everything you can. It hurts more when you pay that way. You may have to live in an austere way for 1-2 years to pay off debt like that, but if you and your spouse really want to eliminate it you can do it. [/quote]
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