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I want to start getting out of debt so we can afford some stuff for ourselves. I feel like I need to pay these debts off and then think about what we need in our home. I mean we have food and clothes and all but, just the things that needs replacements like furniture. How do I go about getting out of debt quick but not paying everything at once? I really don’t want to deal with a debt counselor.

If you’re not in trouble with the companies (meaning you’re up to date and stay up to date on all of your payments) the thing to do is to start a debt snowball. List your debts in the order you want to pay them off. Usually it’s best to pay off the smallest debt first. Then you send everyone minimum payments every month except the first debt to be paid off. You send them every cent you can above and beyond the minimum payment. Then when that is paid off you take the money you were spending on the payment to them and apply ALL of it to the next debt, in addition to the minimum payment you’re making on the next debt. When that one is paid off, apply all of the payment you were making to that one to the next one. Your amount of money going to debt doesn’t change but you keep getting more money to put towards other debts and it gets you out of debt quickly.

You’re right not to want to deal with a debt counselor. If you do that kind of thing it looks like bankruptcy on your credit report. Just pay it off yourself, little by little, and you will get it gone.

Asking to be able to pay less than you owe is irresponsible. If you incurred the debts, you should pay them.

Try http://www.daveramsey.com. He knows what he’s talking about.