I’ll try to sum this up quick. I am in my early 30’s, married with 2 boys, 6 and 10. I have racked up around $90,000.00 in school loans, have only attained 2 associates degrees with that, of which have not panned out. Have a mortgage, that I have never been late on, I am just making it by with my wife and my own income. I have approx. $5,000.00 in credit card and other credit based debt. and owe $21,000.00 on my car. My wife and I really do not see a light at the end of the tunnel and are trying very hard to figure out a plan to help us out of this rut.
I would like to know where to even start to get help. I’ve thought about financial advisers, but have no money to obtain one. We have cut back on things such as cable, cell, eating out and things just never seem to get better. Any suggestions?
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