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by lcall 2236 days ago
About getting to 0 (as i noted elsewhere): One of the best things I can recommend is getting control of finances, instead of letting others and money control you, using Dave Ramsey's 7 baby steps: https://www.daveramsey.com/dave-ramsey-7-baby-steps

I can attest it makes life better!

(...with or without purchasing one of his books/dvds/etc; no affiliation but customer; we bought some of his materials for our children. Some of them told us they prefer a free BYU personal finance course, but I dont have that link as handy at the moment).