How do you possibly get out of debt when you are in over your head? What do you do when you have so many small bills that your minimum payments are killing you? What if there is not option to consolidate?
I've watched the financial solutions shows. Dave Ramsey, Suzi Orman. They have great advise. One I like is the envelope system. My sister in law does it and swears by it. My problem is that there is nothing left over to put in the envelopes. There is only money for bills and not enough of that. Since you have to eat and fuel your car then things get juggled.
Where do you start?
