| i was/am in the same boat as you and i am just now getting back to some positive stuff..but here is what i did. cut back on everything you can think of. eating out, beer, hookers, the whole thing. spend zero on random shit (it adds up) and save and double pay your bills to get caught up. the 25 bucks here, 50 bucks there on the over draft/late bills is whats killing you right now. you can never make headway because you are late and the payment keeps going up. the only way around this is to either default and perhaps loose a lot (they cant take the car)..or double pay. i came about --> <-- that close do declaring banckrupcy (sp) about a year ago. it sucks. dont got to a 'get out of debt free' service. they will cost in the long run and you can do it on your own just as easy. take the 1k a month your saving...and double pay your bills...get your car paid off asap then sale it (i know...just do it) ..get out of the credit cards asap and in about 3-4 years...you will be alright. (thats if you keep your job). dont let it get to you though..thats one of the worst things you can do..dwell on it. trust me..i know. thats one of the reasons i had a heart attack at the age of 25 (it was minor). i wish you luck..it sucks.
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17:56:52 11/04/03
