http://www.jeanchatzky.com/books-and-more/franklin-covey/ Mon, 02 Nov 2009 11:25:16 -0400 http://wordpress.org/?v=2.8.4 hourly 1 http://www.jeanchatzky.com/books-and-more/franklin-covey/comment-page-1/#comment-245 tlwines Mon, 12 Oct 2009 21:12:06 +0000 http://www.jeanchatzky.com/?p=1044#comment-245 I had sent an email prior to signing up so I do not know if I will be responded to or if it was received. What it comes down to is this: I make $42,500 currently and have $109k in debt approximately. My husband and I have seperate finances and I have gotten myself into the payday loan trap. I knew better when I started this and now I am working desperately to get out. However, I am having a hard time making my minimum payments on everything credit cards, payday loans, credit union loans, etc., not to mention the everyday items needed, food, gas to work, etc. Please help! I am a walking timebomb from the stress. I do not know if I need to seek credit counseling, or if I can do this myself with the help of one of your books, or if I am looking at bankruptsy. Please let me know. I have everything on a spreadsheet if you would like to see it. Tlwines in Texas I had sent an email prior to signing up so I do not know if I will be responded to or if it was received. What it comes down to is this: I make $42,500 currently and have $109k in debt approximately. My husband and I have seperate finances and I have gotten myself into the payday loan trap. I knew better when I started this and now I am working desperately to get out. However, I am having a hard time making my minimum payments on everything credit cards, payday loans, credit union loans, etc., not to mention the everyday items needed, food, gas to work, etc. Please help! I am a walking timebomb from the stress. I do not know if I need to seek credit counseling, or if I can do this myself with the help of one of your books, or if I am looking at bankruptsy. Please let me know. I have everything on a spreadsheet if you would like to see it. Tlwines in Texas

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