Having a lot of debt and being stressed

   

     I recently got to thinking about the best way to make my family have a better life. I am one of those people that overthink every single situation all the time. I stress myself out because I always have to think about all the stupid ways something could go wrong, but it never does.
     I got to looking through Pinterest at several posts talking about how these people made a huge amount of money doing blogs, how you can make the same amount doing blogs, and lots of other things dealing with making money. I rarely ever see someone be completely honest about their debt, and that is what has me stressing out. I absolutely want to make a crap ton of money because who doesn't need money now days?! Once looking at what I have to do in order to make money, I was like well what if I used some of the money I end up making to pay off debt? Which got me into this topic.
     I am a quitter when I get frustrated.

I am one of those that throws the towel in when life gets too hard because I cannot sit back and think of the proper way out of a situation. I have been that way most of my life, and it is honestly awful to even admit. I cannot lie about it, so might as well tell the truth right?
     I got to tallying up my debt that I owe, and let me tell y'all it is a lot! I owe roughly $32,000. $30,143 is student loans by themselves, and then the rest is around about of my credit card loans. So the school debt story is that I went to college for about 7 months, and life threw a huge curve ball at me so I dropped college and my job in March of 2017. When I decided I wanted to go back to school, I did it online because it was cheaper. Then the school closed when I was in the program for 9-10 months, so there is more debt on top of what I already owed! Now I am in school again trying to get my degree to be a Medical Biller and Coder, but I am determined that this school will be my last. I have been on the Dean's list since I started, and it has definitely not been an easy ride. i have had to juggle school with a baby and a job at one point. Now I have to juggle being a stay at home mom, a baby and school. I do most of the school work during nap time or late at night because it is easier since no one is screaming for me to hold them.
     I am wanting to pay off all of the debt that I have right now, and then possibly pay off the majority of my boyfriend's debt that he owes on credit cards. His debt is around $17,000, give or take, because Navy Federal is crazy with their rates on their cards. We have been struggling a lot with our credit scores, and our debt that keeps piling up. We have not had active credit cards in close 6-8 months now. We will not apply for them, and we will not speak about them.
     I am going to try Dave Ramsey's debt payoff that he does. I am also setting a monthly budget for the family so we can have the extra money in case something comes up. This is going to be far from easy, but I hope that I can get this debt paid off, and live debt free for the rest of my life!