No. of Recommendations: 0
Thanks for the encouraging words.I am angry at myself for getting into this position and scared I will never get out.  It helps to hear about other people's sucess. I am single with 2 cats. I own a home but I got a 97% loan so I have minimal equity. I spent my 401K when I lost my job(bad idea)  and just paid off the huge tax penalty. I have a wonderful aunt who is willing to give me $5000 to put towards my debt.  I have $221 in savings for emergencies. Where should I put the $5000 and what else should I do?  Here are my numbers.

My net monthly income is $2735
Monthly expenses:
Mortgage $765
Utilities   $103(elec, trash etc)
Car           $160(ins + gas)			
Phone       $108(includes home and cell)
Cable TV $55
Groceries  $200
Eating out $25
Church	      $100
Medical      $100
Earthlink     $46

Creditor		balance	     minimum	     int rate
MBNA line of credit	19983		375		10.99
MBNA MC		        794	         17		16.99
Next Card(closed)	5335		107		13.9
AMEX			2852		56		13.98
Richs			500		15		21.9
Chase MC		10848		221		19.9
Chase MC		10113		201		12
Cap One Visa		6917		201		9.9
Home Depot		1202		24		21.9
Dillard			357		15		21
ACU Visa		6438		195		12.9
Dell			1568		48		19.9

Thanks
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