Debt

It's hard having so much debt. The feeling of shame is almost crippling...especially from my parents who worked so hard to teach me not to get into any debt. I don't want them, or anyone else in my life, to know about how bad things are. But I also don't know how to get out of this situation. We are even considering bankruptcy as a possibility right now. The whole thing just seems so hopeless. We can't avoid the problem or deny it exists or spend all our time hating ourselves for the mistakes we've made. None of those will solve anything. More than anything in the world I want to be free of debt. Life would be so much easier and less stressful if we could get rid of all these payments we have to make each month. We need some kind of plan to get out of this.

1. We owe money on our car, credit cards Josh had used up in the military, credit we used for the wedding, hospital bills from Justace and the motorcycle. We also owe for my student loans as well.
2. I'm not really sure where we can cut our spending. Right now we cut as much as we can out already. We don't eat out hardly ever and when we do it's always somewhere cheap. We cook our own food. We have a food card we use. We only use gas for the car when we have to. We got rid of all but the basic channels on TV. We need our internet and electricity. That pretty much covers it. I'm not sure what we can cut.