Jenn --- dang money issues!! A constant uphill battle when you're young and just starting out with kids and mortgage and all. It does get better as you get older. One thing I've learned about non-life sustaining items - if I don't have the cash to pay for it, I don't really need it that bad. And I'm a great saver so it seems to work out. Since we got married 11 years ago I've managed to pay off a 2001 Ford 350, and a 2005 Pathfinder, and the $12,000 he owed on the ski boat. We've taken some amazing vacations! 1 mexico 4 day cruise, and 2 7 day caribbean cruises (1 with 3 kids in tow). We have no credit card balances. We use them, but we pay them off each month. And we make the cards work for us - one card racks up air miles - which we've used for all of our vacations, and have flown for FREE on every single one. The other racks up cruise miles, which we used on our last cruise for one FREE fare. We just refi'd the mortgage to a 15 year loan at 2.5% interest - and I'm working out a plan to surprise the hubby with a pay-off in 10 years. I just need to work more hours to make it happen.
Do you have stuff you can sell to earn some cash to throw down on those credit cards? You mentioned toys and books that the kids no longer use or you have an over abundance of. How 'bout kids cloths that they've outgrown? Ebay or even just a yard sale can bring in some good cash! What about stuff you have that you could really live without? When you got married do you get a set of china that just sits in the box or cupboard and never gets used? People will pay nicely for good china! And seriously, its only fancy plates. Wedding dresses also sell nicely. You'll never wear it again, and most likely Makena is going to want her own when she's a bride. We can get by with SOOOO much less than we have if we don't get emotionally attached to our "stuff".
Think about it.......... letting go of some of that "stuff" could really put a dent in those debts!
1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
2. Eat to heal
3. Move to live
4. Embrace today
5. Live with intention
6. Respect my body
7. Cultivate joy
8. Find my passion
9. Meditate on peace in my soul