drowing in debt with frugal living is there a way out?
145867
consolidate your loans
170265
so shy,\nI really feel bad for people in your situation.  But fear not, there are a few things you can do.\n1.  Being that you asked this on a religious board, I'm assuming you belong to a church.  The first thing you need to do is talk to your church leader about this.  They can take up a collection for you to get you out of some immediate debt.  \n2.  You need to really decide what is luxury and need and cut out the luxury for now.  For example, if you subscribe to cable, cancel it.  Unless you need the internet for work, cancel it.  There's an extra $50 a month right there.  \n3.  You can see if you qualify for welfare.  Your local welfare office can help you with this.\n\nI hope this helps and God bless you with your finances.
288201
Just take out the loans.  Debt is a wonderful motivator.
986423
First get your act together. Talk to the people you owe oney to and ask for some grace. Is unemployment an option till you can get a job. Do you have freinds and family that can watch your kids till you get on your feet. \n\nIs there someone you can stay eith till your able to move out on your own?\nYou can do it!
406324
Look at your bills and see where you can trim the fat.  I thought we were as close as we could be.  Then we really sat down and looked.\n\nI was able to knock almost 70 bucks off of our cell phone bill (no more text messaging, got rid of unlimited internet access, got rid of roadside assistance....I already had it from the purchase of my new car!)\n\nTrim down your cable bill...look at everything you pay.  On larger items, try to refinance with a lower rate or extended period.  Then take the money you save and begin to pay off the smallest balance you have....continue this on until you have everything paid off.
665195
Try looking on craigs list for people who need help moving or getting rid of stuff. Sell things on ebay. Call your credit card company and try to get them to lower your rates.
780895
Newsflash: Borrowing money to pay off debts only puts you further in debt.\n\nThe first step to getting out of the hole is to stop digging!
732061
When you find that dream home, allow our program to help you pay it off quickly.  Go to savingthousandsininterest.com\n\nGlad to be of help!
213017
Stop eating out, or whatever you spend the most non-essential money on. Then take all the money that you would have spent, and put it toward fighting your debt.\n\nBe consistent. It should only take you 18 months, which is Small in comparison of 30 years. Think about it.
672516
Stop spending, cut your spending.\n\nPlan a budget, and save.
186586
First, stop spending more than you make.  In fact, you have to find a way to spend less than you make.\n\nSecond, take your smallest debt (credit card, car payment, etc.) and double the payments on it.\n\nThird, when that smallest debt is paid, take the doubled amount you have been paying on the smallest debt and apply that in addition to whatever minimum payment you have been making.  Work your way up until you have paid everything off.\n\nFourth, save enough money to throw a big party for your friends after you have paid off the last of your debt.\n\nFifth, continue to save money, even if it's only a little bit per paycheck, so you have something for emergencies when they come up so you don't have to go into debt again.\n\nOnce you do all this, you will have learned to live within your means and you won't have to worry about big debts that cause you to be depressed.  Short of this, there are no quick, easy ways to get out of debt.
805420
Your options:\n\n1) Get a job and quit spending so much money.  If you can't afford it, make it so you can afford it.  \n2) Delay it.  If you can consolidate your loans and roll them forward with another loan, then that's an option to delay the payments.  However, this is dangerous.  Your past history of getting into trouble is indicative that the same thing will happen when the bigger loan comes due.  If your parents can afford to bail you out, it's best to eat crow and see if you can get a loan from them.  If that's the case, then tell them you screwed up, you learned your lesson, you have a plan to get out of debt (e.g. job, a budget that you've already started and are sticking to). \n3) Default.  You can default on your loans, but this is very, very bad.  Student loans (and taxes) are the two things that don't go away - ever - even with bankruptcy.  You will still owe the money and you sabotage your credit permanently. If you want to ensure that you can't buy a car, never qualify to buy a house, get rejected on apartment rentals, get screwed on credit card interest rates.
488445
Been there!  Done that!  Ah, the innocence of youth!  Here's what we did.  \n\nList all of your credit cards, starting with the lowest BALANCE first (not the highest interest rate - I'll explain why in a minute).  This way, you know who you owe and how much you owe.\n\nIf you can afford the minimum payments, but not much more: pay the minimum on everything EXCEPT the lowest balance.  Put as much as you can (until it hurts a bit) on that card.  But don't neglect necessities, like shelter (including utilities), food (not fa(s)t food), transportaion, and clothing - you need these to earn an income.  Pay for them first, then credit card debt.\n\nWhen the first card is paid off, take what you were paying them and ADD it to the next card, so your total debt payment stays the same.  Keep doing this until they're all paid off.\n\nThe reason you start with the smallest balance first is so that you see yourself making progress much more quickly and will be encouraged to keep at it.  The difference in the interest paid when it's all said and done, is very small.\n\nIf you can't even afford the minumum payments: contact the banks that gave you these card BEFORE they start calling you.  Explain your situation and tell them you WANT to pay these debts, but can't afford to.  Tell them what you can pay, don't let them tell you how much they need (only YOU know how much you can afford).\n\nThen go get a second (or third) job and get rid of these things.\n\nWhen you're finished, don't forget where you've been and remember that you NEVER want to go back there.
1124581
Suck it up and pay them off.  You'll have to do without some luxuries for a little while but the only way to get around them is to pay them and not go back for another.
176027
1. Pray\n\n2. cut out unnecessary expenses (you'd be surprised what you can cut out)\n\n3. concentrate on paying off one bill at a time.  Start with the smallest balance.  Once you pay that one off, you will feel better, and you can apply that money to the next bill.  \n\n4. talk to your creditors, some may have special programs for people in difficult situations.\n\n5. consider consolidation, but be careful.  This can lead to more debt if you don't reduce spending.\n\n6. Talk to reputable credit counsellors.  Beware of those who promise to work miracles with your debt and bills.  If it sounds to good to be true, it is probably a fraud.\n\n7. Don't pay a credit card with a credit card, that will only make things worse.  The only exception is to transfer a high interest rate balance to a low rate card.  Even then be careful.  It's easy to make it worse.
58594
FREE MONEY, don't we all wish. However there are ways to help suplement your household needs depending on your state. You may want to look into options like corporations or state agencies that pay your rent or electric as ways to get money to cover your needs and to be able to disperse some funds into other directions. Best of luck!
11816
You must do it in baby steps:\n\n1. Get on a written budget. Have a baby emergency fund of $1000 in a simple savings account that you can get it quickly, if need be.\n\n2. Do your debt snowball- List all of your debts in order of what you owe least to the largest amount.  Pay off your smallest debt first putting as much as you can towards it while still continuing to pay the minimums on the rest.  When that debt is paid off, simply add that amount on to the next debt that is in line and keep going. You won't believe how fast it works when you get going with it. Sell something if you have to, but get going.\n CUT UP all of your credit cards if you have any and never do them again! Forget about the interest rates, you need positive momentum to get you going and to keep you going! it really works, did for me and many others.\nPay off all debt except for the house mortgage.\n 3. Finish your emergency fund with at least 3 to 6 months worth of expenses in it.\nThis info will get you going.  Alot of people take an extra part time job just temporarily while doing their debt snowball.  there are more steps to financial peace.  Please check out daveramsey.com, he has classes in alot of areas, and a great website and daily radio show!