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No. of Recommendations: 2
When my DW and I did Dave Ramsey, we had roughly $25,000 in credit card debt, $30,000 in student loans, and about $95,000 on a mortgage. At that time, our yearly take home was in the neighborhood of $49,000/year

A few words of encouragement -

You are running a marathon, and we are excited to see you and encouraging you to sprint. Set your own pace.

When you sell the car, once its no longer titled to you, cancel any insurance you have on it.


I would encourage you to do the following:
Figure out what your typical monthly net income is - don't count anything that isn't reliable, but if a side hustle is reliable count it.

Look into what your 4 walls cost each month. It doesn't have to be exact, but if you know what shelter, food, power/heat and the other necessities cost.

Add the cost of the minimum payments on your credit cards and other debt together with your 4 walls spending.

If your monthly net income is greater than your debt + 4 walls spending there is something to work with. If 4 walls + debt costs more than your net income, as Dave says, you might just have to tell some of the debt holders "No, I'm not paying you this month".
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