Dave ramsey and consolidating debt
If you’re saying you’re not able to make your credit card payments but you haven’t yet gone hardcore frugal, then I have no mercy for you.
Determine the minimum level of spending you need to give your family food and shelter. With this newfound money, you should find it easier to pay down the balances on your credit cards.
Also, consider having a garage sale for even quicker cash. Most of us aren’t immune to the evils of credit card debt. We typically find ourselves in credit card debt when we don’t know any better (and don’t understand the cost of high-interest debt) and/or when we’re struggling financially for some reason.Some of us didn’t have enough saved up to weather long financial downturns and turned to credit cards to make up the difference.Here’s a further breakdown of the various (non-DIY) options you have when it comes to getting help with your debt.Like the idea of an app to help you get rid of debt?