No matter how many lists you make, cards you send, gifts you buy, or packages you wrap, there will be things you intended to do this holiday season that won’t get done. If you do manage to get everything done, but you’re too tired to enjoy the season, everyone suffers.
You are swimming in debt. You have 4 credit cards maxed out, a car loan, a consumer loan, and a house payment. Simply making the minimum payments is causing your distress and certainly not getting you out of debt. What should you do?