I think that we can see your need to have a reliable car

One thing that was mentioned and I am not sure if you responded or not but are you still charging on the cc’s and what type of things are you charging? A suggestion was made to write down EVERYTHING that you spend money on. Try this and you will be amazed at where all your nickles and dimes go without you even knowing.

I wrote down a budget (which can be harder than you think) and just in the first month have already found several areas that I could cut even further.

Good job on getting rid of the cell phone. At least that’s one expense you managed to cut down on.

I know that you are making your way and it’s a slow process. Just keep in mind that slow and steady will win this race.

Here are some additional comments:

I definitely agree with incorporating your kids in the financial decision making as appropriate. This will really teach them a valuable lesson.

Your daughter’s lunch money is $44 per month. It’s good that she started taking some lunches but you could really cut down even more in that area.

You don’t have to have credit cards to buy a house.

You should be able to move to where you want to but you have to have the gazelle intensity that Dave Ramsey talks about in his book.

$ 73 Qwest local phone == Is this including a past amount owed or something? Seems high for basic service.

$ 25 allowances(divided among 3 kids) === again once you incorporate the kids into the decision making and they begin understanding that the family will have to take drastic measures to see some positive changes you will see some great results. Perhaps they can take on odd jobs like mowing the grass or babysitting. If you have special needs children there are programs that will help them as well.

$ 16 oil change === do you have a neighbor, relative, co-worker or friend that could help you with this in exchange for something? Like bartering?

$200 groceries === are you meal planning? do you take advantage of coupons or sales? someone had questioned what you were buying such as expensive snack items when you could possibly substitute homemade items?

Everyone on the list wishes you the best and we all hope that you are really focused and serious about making changes. You can do this! 🙂 It will just be one step at a time and you will be really happy with the results.

Just today I made a small change that will only affect a bill by $10 but I figure hey, that’s $10 more dollars that can go to my snowball debt program.

Good luck and let us know how the changes are going for you.

I think that we can see your need to have a reliable car

I just joined here myself

I just joined here myself, so I am not experienced in how this blog replies to posts such as this person’s original request, but it seems to me that MK came here for help and was given some very good down to earth suggestions by both Lisa and Mary, which she then shot down 90%, tinged with some defiance. I am 57 years old. self employed for the past 30 years, so I know what I am talking about, I’d just like to point out that there is no miracle, getting out of debt means you simply have to cut corners and expenses whereever possible. If you are not willing to do so, your progress will be one step forward and two steps back until eternity. It’s that basic!

If you cannot reduce your monthly expenditures, then your only alternative is to increase your monthly income.

Get a part time job of some sort, have your kids start earning money for their own needs by performing service related jobs in the neighborhood, start selling on ebay etc. If you must borrow money, do your utmost to stay away from Quik Check, if you have credit at all, try going to your local bank, if you don’t have relatives who can make you a small loan, then perhaps one of them would trust you enough to act as a co-signer.

Above all, have your children participate in solving your money problems, children who are taught to manage money at an early age will not find themselves in debt when they mature. They can be incredibly helpful and resouceful, if given the chance.

Basic foods that you actually cook from scratch during the week, or shop at Aldi’s or Sav-A-Lot and buy the least expensive prepared foods, then on one day a week, have a nice meal and include everyone’s favorites. Same with pop and chips and other expensive snacks… make them a weekend only treat. This gives the kids somethng to look forward to!

& Car insurance… higher deductibles is the way to go here…consider the amount you save monthly when you have higher deductibles…bank on NOT-needing the insurance, if possible, take the difference that you save and put that into a seperate account as an emergency fund- this may not be a perfect example, but you have to think like this… You might save as much as $20 per month with higher deductibles… $20 x 12 months equals $240. in 2 years you have saved $480 (almost the $500 deductible). Unless you are accident-prone, this is the way to go…

I just joined here myself