What's the easiest way to get out of debt?

money.

A budget, and commitment.

You’re killing our government! stop it!

On a more serious note, is there any way you could start saving, like cutting down on things you really don’t need? (eg the things and unnecessary purchases you really didn’t need to make) Cut down on things like cigarettes and other drugs(if applicable), new cell phones computers, brand name products are all included. You’d be surprised how much you can save if you buy bulk.

after being laid off, and taking a serious paycut at a new job. and my husband losing a shift at work. we are in a sad state of affairs. we didn’t really spend much to begin with. we’ve never been late on anything and can barely afford to do the mortgage and cars. i’ve started selling our possessions and am even considering giving our cats and dogs to a home that can afford to care for them.

i’ve considered doing credit counseling, but is there something else better?

Pay off all your bills, in full.

There is an easy way lol?

@redsfan1324: LOL

Lorrissey, I feel for you. My husband and I are in the same situation. My husband lost his job in August. I haven’t worked since last August (only because my husband was making good money). I’ve borrowed or was given money by some of my friends. We only have one car. That needs work, but I’m holding off on that. I’m supposed to go to Social Services tomorrow to see if I can get medical assistance. I don’t want to do that because I hate the government. I don’t see a choice right now. I just maxed out my credit cards to try doing something online. I hope that works. I really don’t know what to tell you except good luck with whatever you do.

I do have this to say: Thank God for really good friends.

Consolidate. Then commit to pay as much as you can each week or pay period, and do it.

Many years ago I lost my job after 17 years, I had just purchased a new home, had a 2 year old daughter (single mom), and ha just lost my mother 2 months before. I hit rock bottom. I ended up using the welfare system (talk about degrading) and had to declare bankruptcy.
It took a long time to get credit, but it was the best thing for me at that time. I was able to keep my house, car. When I got another job, tho it was an uphill battle, atleast I didn’t have the stress of all those debts.
If you go that route, eliminate all debt. A friend went the pay back route and didn’t have any better credit than I do after it was finally paid off.

Good luck to you. Tkae it from one who’s been there; you can get thru it.

@Dead: I wouldn’t call welfare degrading. MY father stole every cent from my mother, her house, their business and every single item she owned. She raised all three of us on welfare. I wouldn’t say the system itself degraded her.