I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and so forth? We currently have a ,000 personal loan that is 21% interest. Our payment is 6 a month but they take out 8 every month in insurance and interest. How are we supposed to get out of this loan if our payment is always taken out from underneath us? We are a one income family. I am also wanting to find some income but haven’t had success in finding a NO SCAM stay at home job. Even the ones that were posted to my question a couple of days ago seem shady to me. So….please we are needing some relief before we go under financially with four kids! Help! Any other money saving/earning suggestions? Thanks soooo much!
Just for the record…..we don’t use the credit cards any more…cut those babies up long ago. We are trying really hard to make the payments on all loans/cards. We pay extra when we can. We also don’t want our credit hit again due to the fact we want to move soon. Credit score will drop with each hit. So, refi is out of the question. Credit counseling is a no go as well….damaging to credit in the end. We haven’t had a late pay in 14 months but want to get ahead, ya know? We only have ,000 debt (I say only because that is below the ave of most people) however, it’s above our means.

Technorati Tags: babies, couple of days, credit card, credit cards, credit counseling, credit score, home job, income family, insurance, loans, money, personal loan, quot, stay at home