this is so embarassing, but i need help with my finances. we are earning a pretty decent income to start with, but for some reason we were not able to say NO to all the help asks from us (we’re like a Robinhood, using the credit cards “huh!huh!huh!)and now the nightmare is here. We can’t keep up with the monthly bills we have and the monthly credit cards payments we need to pay and all our credit cards are maxxed out. i’ve never behind in my payments except for this month and its way over my head. we’ve been living a on “cash basis” on all our purchases since we are starting to reduce our debts but its so hard… i don’t have anymore money to cover up the patches. I need help on how to “manipulate” our finances. Making ends meet is no longer meeting.. Any advise is appreciated.

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