Is this $250 a month? You can do it! I know it! there are so many ways to trim a grocery bill. I have found the easiest way for me to cut the bill is to cut out junk food and pop. That stuff is worthless anyways, so why buy it? and there are so many generic things that are just as good as name brand stuff that nobody will ever know the difference. and another easy way for me to cut down the grocery bill is to make sure DH is not with me when I am grocery shopping! he’s worse than a little kid! Please, Please, Please can we get this??? and maybe you can find something to do to make money while at home. is there a neighbor who needs someone to watch their kids while they run errands once a week or so? or can you keep a few kids in the morning between the time their parents need to go to work and the time the bus picks them up for school? or could you clean someones house and take the smaller kids with you?
I dont know how much credit card debt your talking about, but dont forget to check with each company and find out what your rates are. maybe you can get them to lower them?? its worth a shot. and ALWAYS pay more than the minimum, even if its just $5 more a month. it will help you feel better. And right now, cut the son of a bucks up! like that commercial with all the little scissors jumping around at the peoples feet. cut, cut, cut!
oh, and one more thing, dont hide this from the 13 year old. Keep him/her informed on how your family got in this position and what you are planning on doing to get out of it. that way he/she can help out and not be embarrassed or mad about it. this is an excellent learning experience for young people, so take advantage of it. Let them take some ownership and help solve the problem. Not that im saying you should make him/her go out and get a job and you keep all the cash, but when they start complaining b/c there’s no Dr Pepper in the house, you can say, “well, this is one thing we will have to do w/o until we get the credit cards paid off.” If you show them that you are facing this head on, they will probably be much more supportive. good luck! (and get out the scissors, right now!)