Several years ago, I got in a little over my head in spending too. Isn't it nice to know that you are not the only person who has/had Debt trouble
I hope this Helps, good luck!
I used this software program called Zilch to help me decide hos to get out of debt. I havent used it in years, but I found where you can download a free trial of it, check it out. I think that it is very similar to software that financial planners use to help you get out of debt.
Basically, you plug in all of your debt and interest rates and then you tell the program how much extra money each month that you can put towards paying off your debt, it creates a payment schedule and gives you a forcast of when you will be out of debt, I really found this info empowering. Good Luck!!
You can download it at:
or here is the zilch website: http://www.zilchworks.com/
Save thousands of dollars in credit card, loan, and mortgage interest penalties. Enter the name, annual percentage rate, balance, and monthly payment for each debt. Zilch analyzes your data and determines the best way to maximize your money. You get a personalized payment schedule that forecasts when you will be out of debt and shows you how much to pay each creditor each month. By following this schedule, you will cut years off the time it takes to pay off your debts. This updated version includes a date picker that calculates a repayment plan based on a future debt-free date. It also includes print preview, custom background colors, 3D graphs, and a choice of currency symbols.