Finally we had a plan, a little bit of resources (emergency fund), and the Lord on our side.  Issue being, my husband is in sales, which means some months are better than others.  We were able to pay our bills, just about, but only minimum payments on our debt.  I had read Dave Ramsey’s book, which is where emergency fund aha moment came from, but I am not willing to get a job (nor does my husband want me to have one), which is what Ramsey recommends.   I am not a coupon cutter, nothing wrong with that, you probably could get out of debt with what you save, but this is about making money not saving it.  I also only shop the outer aisles of the grocery, not many coupons going on there.   What I did begin to do is change my thinking.   I just started to ask different questions to myself.  Instead of saying “I can’t get a job”… “I have 3 little kids that limit me and how do I do something to make money when I have them.”… “the economy is horrible”… “I don’t have time”.  Instead I began to ask “what are my talents?”…”what do I like to do?”…”how much time do I actually have, that I may be wasting (for me it is watching tv, even though we don’t have cable, hint hint)”…”what can I sell, right now, in my house, that is sitting collecting dust?”…  “what can I do with the kids, that may teach them something along the way?”… “any invention ideas?”… “what about a garage sale?”… Are you catching my drift?  Our minds are amazing God given machines, that when you start to input the right questions it goes to work to find the answers!  Ponder these questions, come up with some more, start to change your thinking, and pray for God to guide you!  I would love to hear what you come up with, while I share what I have.