I am about to cry!

[Cindy B]

Lisa P, great advice for all there.. and big thumbs up for the tithing as well, now we do about 20-25%..

Its amazing what blessings come when you dont expect it.

 

[Jacquelyn11]

If you have your own home and have been there a few years ask the bank if you can borrow against the equity in your house. This means if you bought your house for 75K 5 yrs ago and it's worth 100K now (or what houses around you are selling for) you can "borrow" 25K as a 2nd mortgage. You can usually take up to 15 yrs to pay off this loan and the payment are less that the previous credit card payments. THEN PAY OFF THE CREDIT CARDS AND CUT THEM UP!! We have one of those Visa Check cards where what we "charge" comes out of the checking account. We ended up refinancing our loans in January, combining the remainder of the home equity w/ the 1st mortgage and got a great rate of 5.9%.

It's worth it to talk to your bank or credit union for options!

Good luck!

Jacquelyn