Climb out of the hole

Back in the dark ages when my husband and I first got married he received an insurance settlement. We were so excited to get this money so early in our marriage. This was a great time for us, right....... WRONG! We turned that decent amount of cash into a large amount of debt. We purchased a new car. We bought Christmas presents and generally spent the money more than once literally. Debt relief was what we needed and we had to get very creative to obtain this goal. First we were able to get someone to take over our car payments and we took over their lower car payments. Debt help was what we needed to also accomplish and by swapping vehicles we were able to accomplish that goal. Debt consolidation was our final goal which would create a way to help us get our payments within our budget. To be honest this was a financial nightmare for us but with a lot of time and work we were able to dig our way out of the hole that was of our own making. This was a hole that I never ever in my lifetime wanted to find myself back in. We always need to learn from our mistakes and move forward.