Get out of debt w/o hurting credit score
Consolidated 12,000.00 of credit card debt with revolving credit line a year and a half ago and still paying 401k loan I used to pay off my car. Then had to have root canals and crowns and up to another 3,000.00 of dental debt with a grand total of remaining debt @ about $18,000.00 and was trying the Dave Ramsey way until my hours were cut, then I tried to get a 2nd job like Dave says and after two weeks of waitressing my feet, legs and back are killing me, I have gone into a spiral of depression and everyone keeps telling me to think positive that I should be grateful because it could be worse. So then I feel guilty for feeling bad. I am a single mom, 46 years old and just don’t know what to do next, I did quit the waitress job.
What do I do next?
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