Again, thank you all who are providing feedback. I'm still working on my budget numbers, and I have raised a bit of cash to help get caught up.
The good news is that I've managed to secure a family loan for $6000 at !0% to act as both a partial balance transfer for some of the debt and to catch up with the mortgage. We also are expecting a bit of OT on the next two checks which should also help. I'm probably not going to post my current stats until the 12/21 though, so that they are accurate. Then I'd like to ask for help in how to allocate the loan and get started on doing a snowball, as well as get the budget squared away.
I'm also working on reducing the telecom expenses as I know they are way too high.
DD16 has started working. Christmas is under control. We are tracking every penny spent.
Thank you again for your support! I know I can fix this now!
NMP