No. of Recommendations: 1
Welcome to the club, PineLevel!

Don't be ashamed, embarrassed, etc.... because you're obviously here for a reason. And that is to take control of the situation and get out of debt!

Levels of debt are really mostly irrelevant unless you know the interest rates being charged, how much someone's income is and what assets they have, etc. Someone with 15K in debt making $25K a year might be more in trouble than someone with 81K level of debt.

Many of us have been where you are... sweating bullets, up at night tossing and turning over our debt. But YOU have chosen to focus and do something about it... so turn that stress into focus and fervor for LBYM, budgeting, snowballing, and learning all that you can about intelligent steps to take from this point.

I want to stress fuskie's point... that can't be reiterated enough. Make sure that your wife is equally a part of this process. You will efficiently be able to move forward with one of you dragging behind...it can be quite empowering for a couple to rally around the act of getting out of debt together.

Good luck, Godspeed and all that. You're not alone.

mz00m
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