Are you following some kind of debt relief program? If so, for how long and is it working?
For instance - Dave Ramsey's snowball method, or just following your own plan.
I made my own plan. When I went back to work 3 years ago, I took every penny I made and applied it to a debt, once it was paid off, I moved to the next one. With the convenience of paying online, if we had an extra few dollars anytime during the month, I went online and applied it to a credit card.
My husband was paid twice a month. I would pay the bills from his check, then take what was leftover and divide it by the number of days it had to last until the next payday. If on any given day, we did not spend the money allowed for that day, I set it aside and at the end of the week or whenever, I applied it to a debt. My entire check went to debt.
I paid off our cars, our cards and now we just have our mortgage--I don't think I will get that one paid off!!!! :-) With those debts paid off, we have been able to move on and do some improvements to the house and interior.
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