I doubt if I'll take a vacation again this year

Ugh I am not happy about this either. First I didn't take a vacation in almost 6 years. Then in 2012 I sucked it up and went to Aruba. It was a great vacation and I would love to go again. Last year I decided that I really couldn't afford a vacation so I didn't go anywhere again figuring I would go in 2014. Well bingo-bango no. I'm not going anywhere again this year.

I realize that it's mid-April and there is still time for me to make something happen. Quite frankly though, it's not looking good for the home team. I'm really upset with myself that I've let my debt get the best of me. It's just me and although it's expected that I should have some bills, I should be able to eek out a small vacation at least every other year.

I need this debt gone because I miss vacation!

I need additional income

There are pretty much no if ands or buts about it. There are only so many expenses that I can cut and at this point any more cuts will literally hurt.

I have very little savings besides my house account. Truthfully right now I have almost zero cash. That's a big no-no for when I try to buy my home. I will be able to put my savings into overdrive once the summer is over. I will have a small bill paid off and I can double up on another one to get that bill paid off by the end of the year. Any excess will be split between savings and extra debt payments.

When I buy my house I will have one credit card bill and a personal loan payment left and that's all I want. If I could figure out a way to get both of those paid off I would. Unfortunately that's not really possible considering those two amounts almost equal a new car.

Man I tell ya....debt sucks!!