That said -- your biggest issue is a spending problem. As many will say you can't borrow your way out of debt. I don't necessarily think 401(k) loans are terrible but the spending problem needs to be fixed first. ***Agreed. Fix the spending problem. Card cards are put away from me. I handed them over from the wife. I think she is more responsible with them than I am. I can get hypomanic and do some dumb stuff (ie. the Wii and 500 bucks worth of books a month).***I think the idea of using a credit card makes either of us feel like puking.***We got rid of the cable TV today. So, there went 50 bucks a month. I wont miss it. So long term, if I am no longer buying books and we no longer are paying 50 bucks per month to get brain dead in front of a TV . . . then that is off to a good start.***I still think we waste too much at the grocery store. The wife (who does the shopping)does not think this is the case. And . . . i agree and understand that unless and until I am ready to go get the groceries, then I need to keep my mouth shut because I don't know what I am talking about. She has more time at home than I do. I will help on the weekends if she buys the food, to prep in at the weekends, and freeze it for the upcoming weeks. That seems to be a general item on saving money on food that we miss. We like the convenience of Schwans, but we can't afford that.***She has allotted 500 bucks per month for the groceries. Is it possible to trim that down to 300 per month, with a a family of five? Three little girls (ages 5,7 and 9) and then her and I.I assume my 737 credit score today is respectable. But without a reduction in expenses to create a better positive cash flow, I don't imagine any real bank (NOT QUICKEN LOANS) or credit union is going to spend much time talking to me.
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