You stated you lost your job. But no where (and I looked) did you state it was only $200. That’s a different story.

Well, anyway, thanks for your current explanations. You should post them on your front welcome page, upper top quarter, with the statement: ‘Start Here’ or something like that.

Other questions I had but again, I do not have the time to go through all your posts are: you say you stopped using credit cards in 2003 but did you cancel the accounts, cut up the cards, what?

I’ve been debt free for 7 years, own my own home without a mortgage, pay cash for my cars and have absolutely no debt. It is NOT an easy path and extremely difficult to accomplish.

You should not consider student loans ‘bad debt’. They are an investment in yourselves. Your only concern should be your car loans and your credit card debt. I don’t know how much $$ you and your DH earn but according to Dave Ramsey, you can lower your standard of living to say $10,000 less( again, I don’t know your stats) and use that $10k a year to pay off your debt. You could whack out your car and cards in a year if that would be the case. But then again, I don’t know because again, I don’t have the time to go through your posts.

DH and I earn about $50K per year but we live as if we earn $40K. The $10K is put away in retirement funds. Trust me, it’s a struggle. But “I’d rather live like no other now, so that I can live like no other later”.

If I have done anything incorrectly, I apologize. It’s just that your site was too confusing and I truly did not understand. I RSS’d you and will come back often now that I know what’s going on.