Brandi

“Dear Steve,

My Fiance and I are currently about 12,000 dollars in debt not including are student loans that are currently in deferment his deferment ends soon (he graduates next month) his school cost about 40,000 dollars I’m just starting school so my loans and schooling will be deferred for a while Most of the Debt includes Credit cards and cell phone companies the other debt comes from Furnisher for our apartment and our car

My fiance works 40 hours a week and I work 12 hours a week we make about 1520 a month this barely pays for our bills rent,car,gas,food,the furnisher Im trying to get a job that will give me 24 hours a week but I cant work more than that because of school I want to be able to pay off the debt as soon as possible so that we can get married I dont want to go into a marriage in debt But i dont know how to pay this debt off without both of us getting second jobs is there any other way to get rid of this debt?

Brandi”

The Answer

Dear Brandi,

I hear what you are saying but I don’t agree that love or marriage needs to be postponed because of debt. It’s a bit like saying that you can’t get married because you have a few extra pounds to lose.

You financial situation is what it is. Just work hard to fit your life inside your income and you can be happy, married and working hard for a better future together.

There is nothing wrong with one of you getting a second job to help make ends meet. It’s exhausting, not impossible.