Originally Posted by Mannlicher

you need a 'money makeover', a la Dave Ramsay. You are spending too much, have too many toys, eat out too much or a combination of the above.
Cut spending to the bone, get a second job, pay everything you can on the bills, and double up when possible on the mortgage payment.
Before you know it, you will be debt free, like me laugh


Dave Ramsey has an excellent program for eliminating debt. It's similar to what Jorge proposed except for 1 thing. He lines up your debts in order of interest rate instead of amount owed. Get rid of the highest interest 1st.

“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell

It's not over when you lose. It's over when you quit.