Help for middle class family trying to make ends meet.?
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If you have a later model car, consider selling it for a cheaper, earlier model. If you have an existing loan on the vehicle, selling it may raise the funds to cover the loan and buy a cheaper vehicle. By getting rid of the loan, you're saving an expense. An older, daggier car might be almost as efficient as a much newer model, but they cost far less. I drive an older car. It cost $2000, and it's still my first car. I'm 27.
Consider taking in a boarder or renter into your house. Do your homework and get background checks on the applicants. Request that they pay you IN CASH in 2 weeks advance, and charge a small surcharge for utilities. This could generate a small amount of income to help you get on top of the loans.
One of you could also consider getting an extra casual job in the interim. Delivering pizzas might not be glamorous, but it could keep a roof over your heads and the creditors at bay.
Your absolute priority is to get rid of the loans, the highest interest rate loan first. All your extra money should go towards this. You should consider selling things around the home -- an extra television, an unused piece of furniture, or some CDs can make a little bit of money to help you dig your way out of debt.
I do not think getting a loan or debt consolidation is a good idea for you. Not only can you get scammed, you end up paying heaps of interest, and it ruins your credit history for years. Get rid of the payday loans first -- they're just evil.
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