OldAg92 said:
- mortgage
- three car payments (me, wife, one kiddo)
- one student loan
- one credit card
- six kids
- two grandkids
- ailing in-law
- I had a lot of debt I took over in a divorce, as well as a small additional debt of my own, and I rolled it all into a personal unsecured loan -- huge personal loan is weighing us down ($1400/month)
without knowing the situation, it appears as if youre in quite a bit of debt / financial constraints
my immediate reaction would be to dave ramsey it
- call loan company to barter with them
- stop using credit card, use cash - psychologically you will likely spend less
- get rid of netflix, etc, other 'luxuries'
- sell kiddos car, get a beater
- sell your car, get a beater
- consider selling wifes car, get a beater
- your student loan or one of your kids?
- pay less for the grandkids?
- consider downsizing house to reduce mortgage?