Commit to living frugally for 12 months --For 12 months eliminate cable TV and go to Over the Air TVFor 12 months take on a part time jobTake a weekend and have a garage sale --- getting rid of stuff you do not need and use and putting the proceeds against the debt.Commit to eating out ONLY once per month for 12 monthsConsider raising deductibles on auto ins to 1000 dollars (usually good for 150 dollars or more over a yearCall and ask for discounts on cell phone plan -- explain your situation and tell them you do not need more service and will extend your contract for a loyalty discount -- Picka bad habit and Comit to eliminating it -- smoking -- drinking -- sodas --- something and use the $$ to the debt
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