No. of Recommendations: 2
My sympathies. You *are* making progress; you've got 1 out of three down to the limit.

Keep on paying on time, as much as you can.

Look at your budget to see what you can cut out, and get ruthless. Newspaper subscription, cable subscription -- those can go, to be added later when you're more solvent. And there are all the typical LBYM (living below your means) tactics -- brownbag instead of restaurant lunch, bringing your own coffee in a travel mug rather than stopping on the way to work. Go through your bathroom shelves and closets, and determine to use stuff up before you buy one more bottle of shampoo or whatever. And buy the cheap stuff. I've found no difference between Suave and the big name brands.

Anything you can sell? Go through your closet and see if you have clothes in good condition, still in fashion, that you just don't wear. Take them to a consignment store and see what you can get. (Depending on what they have in stock, and their policies, they may take some, all, or none, and they may pay outright or pay when they sell. You won't get much money, but if you can get any, you'll be ahead.)

Yard sale? Clothes don't go well at a yard sale, but household gadgets often do. Books will go if you price them low. And you'll get more free space and fewer things to dust. Or if there's a housewares consignment shop, try that. When my husband & I combined households, we must have gotten $150-$200 from household stuff. It did trickle in over months as the stuff sold, and we *might* have gotten more if we'd done a yard sale or two, but we didn't have the work of selling the stuff.
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