How do I get out of debt and stop living from paycheck to paycheck?

Credit counseling is the answer. Record and assess all costs . Compare your desires meet their needs . Get all your monthly bills and income information and consult a counselor. They can help reduce interest rates and consolidation of certain loans for a fee. But you 're the one who has to take responsibility and realize that will not be easy and yes, a second job may be necessary (and to all income of the same bills ), even if for a short time to treat to succeed. good luck

The best option for debt trouble is negotiating your debts with your credit companies to maintain payments from swallowing all their income. Usually you have to get a counseling agency to call on your behalf. If you try to work with them yourself, many of them will not cooperate with you because you are not enrolled in credit counseling. Try to http://www.womenindebt.info . < / A>Good luck !

Move back to his people so that no payment of rent. Then put all the rent money to pay their credit cards.

Will aim for a few years but will get you out of debt.

I agree. Your best bet is to cut everything back on what is happening . Then you should talk to a financial adviser. http://www.jacksfinancialconsultantlist .

To tell you the truth , I really should not ask on yahoo . Find a finacial advisor . One thing I can say though is once you have your credit card debt paid , cancel . Young people are always in debt because of their credit cards . Until you are financially stable should not possess a credit card . Debit Card is best for you. We do not accept credit cards.

Try not to eat out too , as once or twice a week . Try to buy vegtables and meats that are not too expensive or are a special price and make your own meal from a recipe that you know or you can always look on foodnetwork.com . The gas, I can not say much because I do not know where they stand . If you rent or not. If it's an SUV or a car. But what I see, its most likely a sedan. Right?
Try to avoid the use of the vehicle as much as possible . Take the bus. Its cheaper . If not, try to carpool with a friend if possible.

If you want you can email me at [email protected] more details about your position.

Hope this helps .

Ramen noodles .

Ok I think the best way to help you out of debt is to live only the bare minimum for a while . Make a list of what you buy and spend bills * and food and clothing and extra activities , etc ... * And put what you need on one hand and what you can live with one out for a while the other side and try to eleminate plus the cost you can live without. You may want to leave some things you can live off the list , that of distance that is less likely to get into a bad habit of spending . MedlinePlus MedlinePlus If you cut back on eating out , stick to foods generic * , like a loaf of bread for 79 cents and a small package of lunch meat for $ 2 and eat sandwiches for lunch a few days , but some OR instant noodles ect ... * MedlinePlus MedlinePlus You can try to lower your electricity bill and water , the other two people do to help reduce the use of water and electricity bill too , try not to buy something you do not need * not buy clothes or shoes or buy any else * I also recommend checking to see if I could get a better paying job . If you want to go out and hang out with his friends try to recommend going to the park or somewhere that is free or cheaper than going to a park instead of a bar or amusment . MedlinePlus MedlinePlus You get what I'm saying ? It will be very difficult to do , but anyone can do it ...

Your accounts are 1900.00 but never mentioned about how much you make . Look at your credit card debt and debt exceed 10k if I suggest you get a consolidation loan so that you will pay only one company at a fixed rate , or get your creditors to set up payment plans with credit cards . But you have to call and ask. Also, look for insurance because sometimes you are not getting the best rates . If it is too difficult , ask for forbearance on their student loans to give it some breathing room . Normally you can make the payment delay problems for about 6 months . Also , I actually took a part time job with my time and had a bill and paid at once. It is difficult but can be done .

Debt is an issue that takes its toll on the bank account over sometimes. Knowing that your income does not go far enough no matter what you do can be a source of anxiety . I know it was for me ! MedlinePlus MedlinePlus First, do not charge anything more on your credit cards ! If you ever want to do such balances are reduced obviously have to stop growing . If you have several credit cards , choose the one with the smallest balance and try to do more than the minimum payment until paid . This will give you a sense of accomplishment and release a little more for the next attack . Credit cards are probably your debt with the highest interest rate , so I would try to get out of the way first. MedlinePlus Since we do not have an entertainment budget anyway, get a second job might not be such a bad idea . The additional revenue could be used exclusively for the payment of its debt and reduce the time it takes to get rid of it . MedlinePlus You seem to have a solid sense of budgeting and , and there is no magic cure for your problem . Try to address each loan individually doing more than the minimum until it 's gone, and keep paying the minimums on the others to your credit rating will not slip .

I live the same way. I found a way to do it , though, but not like my suggestion . My boyfriend of five years and I moved to a big city in our state where his mother lived . With the three of us working we always have money . With the way things are today and time , moving in with someone is going to come . It is useful to split the bills with a partner or family member . Below , you will find that you have money left over to save . Or you could get a second job if you do not already have one .

I sympathize with your situation . I graduated from college in 2007 and has student loans and credit card debt as well. MedlinePlus MedlinePlus Look at the credit card that has the highest interest rate and a payment for the first time since that is costing the most. Pay the minimums on the others and put so much into that one until it is paid off . You can also try to do a balance transfer to another card that has a lower interest rate . MedlinePlus MedlinePlus Try to consolidate student loans if you have not already http://www.salliemae.com/ < / a> This is what they used . MedlinePlus MedlinePlus Ways to help pay the debt :
MedlinePlus * Sell your car and buy a cheaper one for you to eliminate that monthly payment . ( not ideal , but it will help ) MedlinePlus * Cost reduction in food if possible . ( buy in bulk , check weekly ad and plan meals according to what's on sale, clip coupons MedlinePlus MedlinePlus MedlinePlus www.coupons.com http://www.couponsurfer.com/ < / a> MedlinePlus MedlinePlus www.coolsavings.com MedlinePlus www.couponcabin.com http://www.mysavings.com/ < / a> - the latter site has many coupons and free samples . At the end of the sample which is typically sent along coupons too) MedlinePlus * Get a second job MedlinePlus * Donate plasma ( if possible ) to make a little extra money MedlinePlus MedlinePlus Hope this helped a bit

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