Originally Posted by
Amethyst Thanks for the tip Charmaine.
My first plan is to go to my regular bank and see what the deal is on an unsecured loan. I have cut up my credit cards many times and then reapplied or they just send me new ones. Its a vicious cycle for me and everytime I say I'm going to kick it, it goes good for a while and then I'm off the wagon again. I'm not getting any younger - LOL - its about time I behave more responsibly with my budgeting. Its like dieting - I have no willpower!!
When my mother died she had some outrageous amount of credit card debt (like 10,000 range) that nobody knew about. It was quite a shock for my father to find that she had been receiving all the bills at a PO box so nobody would ever know. It was even more of a shock for him to have to pay this all off. If you are that much in debt don't hide it. If you are worried that your husband will be upset that you have so much debt tell him after you do the consolidation or whatever you end up doing. Treat shopping as if it were an addiction, and get some help with financial planning so that you don't end up in this situation again.