Thread:Hannahc12/@comment-28694170-20160701194649/@comment-27334049-20160701202435

Over the last 10 years (with a two year break while my husband went to grad.school), we paid off 257k in debt, built up an emergency fund with 6 months of expenses, saved up and paid for my Fiat, and saved enough to buy my husband a new truck. The only debt we have now is our house. I helped my co-worker do the same thing and he just paid off his last credit card and started his emergency fund.

When we started, we were swimming in debt.....house, two car payments, credit cards, and 80k in student loans. We had been going along fine until my husband broke his ankle and was off work. We depended on all our overtime to keep going and now he was barely working. It was a serious wake up call. We cut up all our credit cards, sold anything we didn't need, we worked extra, and lived on a strict budget of only the necessities.

Just take a deep breath, evaluate where you are, and start with just the necessities. Email me if you want some help getting started. 😊