[Laura Smith]

We have ours escrowed so we do not have the pain. It shows what portion goes to the escrow. The disadvantage would be you do not have use of the money and you do not receive interest on that money. To me it is worth not having that big bill twice per year. Also I never have to worry that something major happened and I might not be able to pay them.

[Laura Smith]

It can be overwhelming. I was an accountant so I know exactly what I need to do but doing it is another thing. Having the plan and some directions of where I needed to go is really helping me get started.

[Laura Smith]

I have garage sales each year. We have been able to contribute over $1,500 towards our debt payoff selling things we no longer used. It can be a big job but really worth it in the end. I also donate the rest and can make a list so I can get the best value for taxes, which saves us more. I have also found local groups on facebook that post things for sale. I will be using these more in the future.

[Laura Smith]

I had luck a few years ago. Discover was the easiest to work with me. Also if you offer to freeze your balance, not use the card, they are more willing to work with someone.