When you have tried to make cuts and earn extra income and you still can't seem to get ahead, then it might be time to make some hard decisions.
I always thought that I would be a stay out home mom when we had kids. I was blessed to have been able to work out of the house for Charlee's first three years. However, when we had Colbie and the economy went south we realized that we were in for a rough time. Unfortunately, no matter how much we tried to cut the bills we just too many and the income was just to small and we knew we would never be debt free at the rate we were going.
We decided that I needed to look into finding a job outside of the home. We even contemplated moving and making some drastic life changes. We prayed and put our faith in God that he would open the right door and He definitely did. I was lucky to find a great job locally and found a wonderful woman to watch our girls. It certainly wasn't easy though, Charlee screamed and cried every morning for almost 5 months and I felt like the world's worst mom.
However, it has turned out to be such a blessing. Charlee has thrived and has grown so much confidence through this experience. My job was a saving grace when we needed it and Brian's work is going strong now.
We have had to make several hard decisions regarding finances and letting some things go, such as selling my horse, cancelling trips, etc. But every single one of those decisions has truly helped us on our road to financial freedom.
When you truly have a goal of being debt free, you may need to make some tough decisions, but just remember nothing is permanent. You will be so happy in the long run that you went the hard road to live on the easy side in the future.