re: Debt Debt Debt.

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If we had 2 Land Rovers I’d get it.

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I think we're all dancing around the subject.

We're going to need some broad ideas of net income and spending - the raw inputs of a budget to see just how close to insolvency you are.

If you're truly insolvent, I wouldn't even futz around with this debt consolidation service - I would just go bankruptcy (unless a significant portion of this is non-dischargeable like student loan debt, etc.).

If you're not insolvent, then this is just a matter of math - devote X more dollars to get you on the glide path to paying things off. The interest savings alone will boost your snowball if your strategy is sound. Dave normally says don't care about the interest rate and just pay the balances from the smallest to the largest.

I tend to agree with that from a philosophy standpoint, but if you have an exception (a larger balance up at 22% or something, with 3 or smaller ones say in the single digits), then it might be worth pursuing.

But, if you're insolvent - you're insolvent and that is part of the reason for your frustration. If you're not insolvent, then there is a mathematical solution here. It may require some more belt tightening, but it's there.

If you can't/won't tighten the belt further, then all the shifting around of debt in the world won't help you and in 5 or 6 years (or sooner), you'll be right back where you were before the consolidation (or worse).

That's just "I love you too much to lie to you, baw" talk. :nohomo: (NTTAWWT)