I should be here! I think I posted a long time ago and in fact, I've been wondering where this thread had gone so thanks for rekindling it!
We're way over our head in debt and we already have a home equity loan which is maxed out (we did fix the house with some of it
Right now I'm trying to get my main debts (CCs, student loans, home equity loan) into one online format through my bank so that I can see what's due when at once. I also signed up for a bill pay program through my bank so that I get e-mails when my smaller bills are due like phone and cell phone.
We're also going to try to pay lumps in advance towards our bills that normally go automatically onto one of the CCs so that no more charges go on the CC and we've paid in advance and don't have to worry about them for a while.