I had to face this.

Or die trying.

I made a spreadsheet.

It looked like this:

Who I owe/  Type  /  Account#/  Full amount  /Amount paid  /Amount left  /Interest rate

Bank              Car             1234444       34,000                    1,000           33,000          12.5%

Mort              House       8254652         90,000                   4,000          86,000          8.5%

Store         Credit Card  364898       7,400                                   0             7,400         17.5%

And so on…

It was a BIG spreadsheet.

I summed what I owed. It was well over $100,000.

I did one of the hardest parts.

I faced the truth.

And cried.

And prayed.

And began to plan….