Another strategy which I use on my primary home and my rental property is to divide the payment by 12 and add that amount on every month. For example, my primary home mortgage is $2,000. If you divide that by 12 you get $. I send $2, per month with the additional $ going toward the principal. By years end this amounts to an extra payment of $2,000 towards the principal.
Its called get a job and help with some bills and stop complaining when your not pulling your on weight.
McCormick …. The situation in Your country is so different from situation in Latvia!… In our town there so many unemployment, the third is out of job… The local government take some people to clean cellars. It is very hard work, wage is 200$ for month, and they give this work for 6 months, but the queue is so big, that people are waiting for a year and more… The workingplace of the janitor get free and there was more than 100 people, who want this workingplace. You are speakinkg about cleaning houses, babysitting, petsitting, cutting hair, doing laundry, returning bottles? We in Latvia clean our houses ourselves, may-be in the capital lives some rich people and they have house cleaners, but there are not house cleaners in our town, and there are no petsitters in Latvia, but babysitters must have the degree ot the teacher and must haven`t her own children (because many teachers now are without job, therefore the teachers with degree has priority right), and about the bottles….. If somebody drinks beer on the street, there are 5-6 men around and waiting for the bottle, and there are many fights for the bottles, I think it isn`t for 7-11 y.o. boys. And 1 bottle costs 0,04$… And , for example, for 45 sq.m big flat people had to pay about 260 $ for month, the wage for payday loans Georgia teachers in highschool or for policemen, or for nurses in hospital is about 300$ by month, the unemployment benefit is 90$ by the month (but only 6 months, therefore the most of unemployment are without any money…) , allowance for child care is 16 $ by month…. It`s the real situation in our country…. Many fathers are seeking for work in Great Britain, and many families are living without fathers, husbands… Many thears… I and my husband created the charitable foundation “The Bread of Life” and our foundation formed the soup kithchen for those, who don`t have anything. Now 170 people attend our soup kitchen (we cann`t serve more, because the income are only donations ), and a month ago we also started the new project – the pack of food for families every week (this pack includes buckwheat, rice, grits and so on). And yesterday we attended one family – father with 3 children (monther went to seek for job abroad) with 48$ (allowance for child care – 3 x 16$) by month… He weeped for sorrow… (And we, too… ) And we attend families like this every week… And craying every week, because we meet with families with very hard situation…. And now we get the closed rural school to create the crisis centre for families, who losed their homes. At this moment the foundation hasn`t money for this center, but we are praying for… And about our family – I think we can get out of our debts only with the big God`s miracle. P.S. I`m sorry for incorrect answer. ??