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I am going to attempt to write this article, however keep in mind that is coming from me, a seasoned, professional "Debt-knower". So do I qualify or should I just list this under the humor section? For years I have wanted to know the secrets of making money and keeping it. If there was a prize awarded for anyone that could accumulate the most debt in a one week span, I would go home with the gold medal!

First I am going to say, I am no expert on this title, what was it again? Oh yes, "How to pay off your debts without coming up short". Well here I go...I am a mother of four children, as stated in several other articles I have written. My oldest is attending college and the next one down is preparing to graduate High School this June and my two boys, 9 and 12 are professional eaters and injury makers, so this said I guess you know most of my bills are spent at the grocery store and the ER. I am homeschooling my youngest son, so my husband is the bread winner, I am just the bread maker. We own four cars, one motorcycle, 3 cats, one dog, a play station, guitar hero and all the games that go with those silly things, although I must say that I have taken a liking to Ozzy Osbourne and have become a true Rock Star by now for as often as I hear guitar hero.

My husband holds down a full time+ job, allowing himself one day off a week, usually a Sunday. We have never really been good at staying tight on a budget, now that I think of it, we have never really had one on paper, we would just open our wallets or log on to the on-line banking to see if we had money that week or not. I don't recommend doing that though. It wasn't until things were getting crazy, how were we supposed to keep on living this way? Something was about to give and in a hurry!

We sat down and examined our finances, or lack of, we discussed the areas that could be worked on, all of them, and realized it was time to start cutting back wherever possible. How we did it may or may not work for everyone, and budgets are nice if you can stick to them, we could not. I have read many "How To" books or watched a zillion "Improve Your Life" paid programming shows and just once would I like to hear from real people, with real problems, like me. So now that you understand my article is not a "How To" rather a "This Worked For Us" article. It is being told to you from a real person, me.

* Start with an "Idea" You have an idea it is time to get finances in order and find more productive ways for your life.

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