The best way to avoid debt is to stay single and not have kids. For those whose ship has sailed, cut up your credit cards except an emergency one. If your Landmark is tax deductible (home equity), certainly move debt to that, as it's tax deductible. If you are a "small" amount in debt, $5-10K, a PT job, one night a week and one day on the weekend, can easily raise your income $4K a year or more even at $7 an hour, and for many of us, the idea of a low responsibility position is a joy. Minor changes in your spending (joining Netflix rather than a movie every week, for example) can save you $80 a month. I would sit down one day and write down all your debts, and make a goal to pay them down, and then revisit that same sheet of paper every 3 months (you can use the change of seasons if you wish). If you are making progress, you will be pumped up and want to continue. If not, you'll have to make changes. Another thing is, you might not be as bad off as you think...many folks add stuff up in their head and think they must be $50K in the red, but when you write it down, you're $35K...it's like you found $15K in the sofa. Or, you could start a blog, and in 6 years or so, it'll be bringing in some ad money.http://forum.brewerfan.net/images/smilies/smile.gif