I have tried to do better but we have an extremely high debt to income ratio. Our income is $38,500 a year with credit card debt of $51,000. No one else will touch us. If I could just get some cards consolidated it would make life so much easier. We are not youngsters-husband 44,I am 42,so I should know better. I just made too many mistakes. I am paying for them now!! Everything seems to have caught up to me. :-)I thought about a second job but I already work 42 hours a week and I really like spending time with my boys before they grow up. The debt will be there -the boys grow too fast. Connie
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