Got any Ideas?

The economy is affecting all of us.  Im curious to see what others have done and will breifly share what I have done, as well.  Perhaps we can all learn from each other?

My financial situation has been declining for some time.  So rather than sit and watch it hit bottom, I took a job... any job to slow the degression down.

Then I started schooling to try to offset the degression by placing myself into a better situation.  Having finished the schooling, I am starting to look for a new job with at least a little more pay.  My goal is to flat line the situation for starters.  By that I mean. bring my living standards down to where I can afford the basic neccesities and have a little bit of my payments on credit cards go towards the principal.

In the meantime, I have cut costs.  I have turned off tv service, computer service, reduced telephone service, reduced utilitites by trying to remind everyone to turn off lights, use less water, etc.

I currently have a mortgage at 6.25%, my credit cards are 9.9% or less, and Ive gone on foodstamps in an effort to swing my situation around.

I feel stuck.  I dont know how to go about getting credit cards reduced.  Since my income is so low, I dont know that I will be able to refinance anything.  Next I am going to sell my backup vehicle and also increase the number of hours I am working as well as try to take on another parttie job at the least.  It seems part-time is all that is available so why not work 2 or 3 of them?!

I feel that I am doing well in spite of it all but the ever nagging bills still scare me and I want to make my situation better.  It is up to me to make that happen... however I sure could use some fresh ideas.  

Got any?

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