I am blessed that our circumtances were “stupid” not “dire”. I had never learned to budget, loved instant gratification, and we had repeatedly tried to clean up only to get further behind. The class was a real eye-opener!
I am getting ready to make the last payment to a credit card for racked up charges. (We have another that we use sparingly for budgeted spending, and pay off monthly now.) The only other Baby Step 2 debt is a student loan for the daughter (15 months, and that will be gone.)
Onward! It sounds hokey, but this process really has provided a level of peace, even while digging in and cutting back.