Good for you for making a plan that works for you! Debt is so hard. I do wonder though, if your living expenses exceed your income, what’s your long term plan for staying out of debt even once you pay the cards off? Is there a path to higher income?
My living expenses don't exceed my income. The debt payments are what causes my expenses to exceed my income. Without the debt payments I could easily live with the income I have. The debt actually started after a traumatic event 14 years ago, where there was no income for almost 2 years. I just never focused or even tried to pay it off. That was a great question though!
Good for you for making a plan that works for you! Debt is so hard. I do wonder though, if your living expenses exceed your income, what’s your long term plan for staying out of debt even once you pay the cards off? Is there a path to higher income?
My living expenses don't exceed my income. The debt payments are what causes my expenses to exceed my income. Without the debt payments I could easily live with the income I have. The debt actually started after a traumatic event 14 years ago, where there was no income for almost 2 years. I just never focused or even tried to pay it off. That was a great question though!
May I ask what you do for a living?
Not going to be super specific but retail area
Do you work or your husband?