I'm 31, have a wife and 2 little kids. Our food, mortgage, car payments are up to date. I enrolled in debt settlement as I can't afford my credit card bills. I don't care about credit score at this time. After reviewing the budget we have about $100 left over after the month and all expenses and groceries are paid.
In 4 months I will get a bonus to knock off car payments. This will get us to $700 after expenses. I think we will get some stress off of us then.
I'm looking for tips. I know we can't eat out or get fast food. I'm scared and I feel I have failed my family. Wife and I had terrible spending habits and paying for it now. Debt settlement is out only option for the next 2 years. However I look forward to being debt free in 2 years and start with a clean slate.
Thanks
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