I am sitting here doing my finances... and I have gotten in a lot of credit debt the past years. I finally just broke down crying tonight. I have gone way over my head and I need to get a second job to pay my bills. Unfortunately, this isn't the time to be in debt. I have a wedding to pay for in August and I am using up all my savings for it. I need a miracle win that will help me get out of debt for good. Its the worst feeling in the whole world and I cry myself to sleep. Its no ones fault but mine, I don't even know how it accumulated to be so much. Little by little it just adds up and consumes your life. Please pray for me, I hope something will come in the mail or an email will come and take all my worries away.

I am sorry you are so stressed out over your finances and it is so easy to get over our heads these days so don't beat yourself up over it.

The first thing that came to my mind when reading your post is that Jesus told us not to worry because worrying won't change a thing.

Just put your trust in God and believe in his promises and it will all work out. Read scriptures that will encourage you and not discourage.

God bless.

Hey Furtadoooo... I know what and how you feel.... I'm in debt too and need to pay evrything off... Well if you call $6K debt.. then add me to your list.... I don't know how we are going to pay this off or how it got soo high... I have 2 $5K credit cards and 1 $1K credit card.  I just did a balance transfer so at least I won't be paying all that interest and have set agoal of $200 everytime i get paid to try and pay that puppy off... maybe you can look into balance transfers too .. ... just so you aren't paying more than you have to.... hope this help girll.....

Step one:::  Cut those cards.  Don't buy what you can't pay cash for.    Works for us.  Anyhow hope everything eventually works out for you.

Thanks everyone... Last night I just couldn't hold it in any longer. Thank you for listening, I know there are far more people in worse conditions than mine, and there are a lot of people that have nothing. I just currently did a balance transfer and I filled out an application as a waitress for the restaurant across the street. I won a $500 dress last month that I am putting up for sale on ebay all the money that I make from my wins will go straight to a high yield saving account until I can accumulate enough money to pay big portions of it off. I am thinking it will take me at least 5 years to pay it completely off.

A little update!!! I got a second job babysitting for a family to make some extra money. Every Saturday I will watch their 2 kids (6 & 2) from 8:30AM - 7AM. Alll the money I make will go straight to my high yeild savings account to help pay off my debt. Instead of the 5 years I thought it was going to take, I think its roughly only going to take a year and a half. In January I will do a balance transfer and that will help with little or no interest. I am making my minimum payments, and plan on only using the AMEX card for emergencies and for work (because I get reimbursed every month).
Thanks to everyone to listened, I don't know why I got myself in this bad situation, it makes me never want to charge anything again.

It is SO easy to get into that situation for any of us!  Back about 8 years ago, our youngest got really sick and we almost lost her at one point.  We had medical bills out the  not to mention bills, bills, and more bills!  There were times that I just didn't know what we were even going to eat.  Ashelyn had medicine that she HAD to have ~ we were just over the point in our income to where we didn't qualify for any help and we were in SO much trouble.  I can remember using credit cards to buy medicine and groceries and shampoo...nothing extra just the necessities!  It was the hardest time in our lifes because we still had the added stress of not really knowing what was wrong with Ashelyn.

I can remember at one point this man calling and asking me for a donation and me breaking down and just bawling on the phone!  Needless to say, he didn't get a donation and they haven't called back since   I would have to call Dr. X and tell them that I was going to have to call Dr. Y this month ~ sorry.  Most were really understanding.  Some weren't! 

Jimmie ended up having to quit that job and get one with better insurance and we had to take what little retirement that he had built up and pay our medical bills off...we didn't want to, but both of us knew that it would be the only chance that we would have to get rid of all that debt with out filing bankrupcy which was not an option for us. 

All of that was just to let you know that I do understand somewhat what you are going through.  I hope you have found what you need to gather yourself up and get yourself out!  You will be so much happier if you can!!!  Good luck(now that I have bored you to sleep )