Thanks Albert,
I have read the Total Money Makeover and listened to his show for a couple years when I had a job that let me listen to the radio all day.
I was trucking along pretty good on my debt snowball for what income I had to work with and 3 and a half years ago my 2nd daughter died at birth. I had all the medical bills from that pile up and I was so down in the dumps my pays went down a lot. I work as a service writer and its 100% commission. If I'm not on my a game then pay falls off the map.
Well a year later we were blessed with a son and daughter but the girl had to stay in NICU for about 10 days. I was not even through paying for the bills the the year before when those hit. Even with insurance there was a large chunk. I did payment plans as much as I could but we also started letting the card balances go up. I was pretty under water for a while.
I got my head on strait at work and have been busting my ass so I'm down to the last $4500.00
I don't have to have new cars. I drive a beater $2000.00 car daily for the last 4 years and I have a 12 year old Dodge 2500 diesel for when I need to haul.
I do have 2 car payments but only one is a falling asset the other is a 69 Camaro I could sell any time for 10K more than I paid. The other is the wifes 12' Camaro ( Dave would scold me on that one
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