I've read all the post replys and have done a lot of thinking about me and my spending habits, the way I handle money, and my current problems with money. I have, at home, 5 DVD's from Suze Orman from 1995 ish to her 2011 Money Class DVD, I also have about 7 money books, I picked up at the library. I am currently ready, as fast as I can, Jean Chatky's book Called Pay it Down on $10.00 a day. I'm learning alot. What it boils down to right now, is that I need to find a second job and that doens't seem as easy as it always has been. The part time jobs seem to not get back to me and I'm not sure if it't my description of my current job duties, that seem too much for the part-time job, or why I'm not getting any phone calls. The applications I've tried are for gas stations, convenience stores, department stores, and I'm not getting much feed back. I'm always asked what I'm being currently paid and I wonder if the $15.35 i put in the blank is why I'm shut down. I honestly don't know what the problem is. I usually had not problem finding a part-time job in years before. So, once I find a second job, my plan is to apply the lessons from Dave Ramsey and Jean Chatzky toward my getting out of debt situation. I've cancelled Verizon (but I have a $400.00 cancellation bill to pay) I stopped my home internet and cable. I am going to get a home land line which will be about 42.00 a month and just drop the cell phone completely. I can get a pre-paid for total emergency situations. My bankrupcy chapter 13 was cancelled and I can gather $500.00 to get it re-instated, but I don't have that money. I'm thinking if I get a part time job, maybe I can avoid the chapter 13 and pay all my creditors off. But, I have a looming cloud over my head, as I know the creditors are beginning to call am I'm AFRAID to answer the phone, because I lieterally don't have any money to pay them yet. I don't know if I should try to keep my little chevy aveo, the outstanding loan balance is $15.000, or if I should surrender it. I'm asking for help from all the smart money people out there, because although I don't blog daily or consistantly, I have taken serious thought to all my comments received. I'm going to add all my debt to the debt catagory and maybe someone would lend their insight. Sincerely, me.