Really Struggling and could use some advice. Please.
So we have not even started using a budget. We have tried 3 times!! We just live paycheck to paycheck. I plan out what we need to pay bills and then know we have X amount for food & X amount for gas.
I thought OK what can I cancel to help leave more money in our account? But we can't cancel anything, we have contracts with them all. Direct TV, internet, phone, cell phone. We have 6 credit cards, 1 auto loan & we still owe our vet money from 5 months ago and we owe state taxes. I feel out of control. Help me. Where should I begin? I have tried lowering our bills like cell phone & phone, but we are on the lowest plan.
I have tried to set a budget, but our bills keep going up. At&T recently raised prices in our bill and so did our internet. :(