Thank you for your caring advice.
Yes I did slow down on my spending here and there and also cut down on my food by baking and making more things at home. It helped, I pay minimum payments. However, I from time to time go to Thrift store to buy my son cloths because he has been growing out of his cloths and shoes so quickly (every 3 months).
As the story goes I left my fiancee of 14 years and bills is under my name. He helps me pay 1 loan…child support are in the proceeding. That’s life.
Last night I went to Walmart and bought him 1 New pants , a package of Haines T-shirts and a pair of shoes. I do this so he has something new every once in a while. He has been good in accepting thrift cloths and still am a pretty happy kid.
Gonna re-finance in a 1 year. Soon my bills will be lower. I am hanging in there on a LIMB.
One thing I have learned is you can only do what you can and also do the best you can.