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Pay the minimum amount on the debts with the lowest interest rates. Put every additional towards your highest rate cards.
When the highest rate card is paid off, move the entire amount to the next card. Sell all the crap you didn't need to buy and couldn't really afford and put it on the debt. Cancel all non-essentials. This means no: drinking smoking eating out paid entertainment cable internet gym magazines bottled water purchased coffee vacations new clothes electronic gadgets and just about anything that doesn't keep you alive and under shelter.
Get a roommate. Both of you get PT jobs. If you need more suggestions, post your budget. Good luck. I haven't had steady work for almost 2 years now. I have had to sell items to get by and other creative financing. Currently, I am living with a friend to cut back even more than I have to get back on my feet. I have had to put everthing but my clothes in storage, basiy.
It is not something I would have considered had I not found myself in this predicament. I do, however, feel more of a comraderie among people that I run into and I have found that my relationships are much richer than they were before. Instead of feeling isolated and embarassed by what sometimes feels like failure, I find myself in the same boat as others and there seems to be much more openess and honesty in those I associate with now.
A layer of pride has been stripped, then another, then another until all the things that seemed important for self esteem before no longer makes sense. For me it has always been more about integrity and honesty, but now, those qualities are more important than ever when you don't have the superficial accessories that others instantly judge you by without knowing anything about you.
I can't say I am happy about struggling so much, but at least I feel that there have been some rewards in the form of friendships that be with me for a very time. I have always believed in you get what you give. That is not necessarily true, but others that think that way do recognize it and are attracted to it as well. I'll start looking for an outfit now I think I can find something outrageous enough to match those camo boots you picked up in Thailand. The frame reminded me of the pic you posted of yours when ya got your gas tank.
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