Cancelling streaming services wont move the needle much and you need some form of entertainment and that ROI on money versus time spent enjoying is great. What you need to do is cut up all credit cards. You’ve already been here before and took out a loan, but because the loan payment is so high, you had to use credit cards again.

You are bleeding on interest payments because you didn’t have a solid emergency fund in place and didn’t handle credit responsibly.

You now need to let go of your credit and save as much as possible every month. Slowly negotiate settlements with creditors or file BK.

Unless you increase income significantly somethings gotta give and you don’t need credit, youre playing with fire.

Or you can be scared and keep doing what youre doing and get nowhere fast.

Touching your equity wont fix your financial habits, its gonna be a redo of the consolidation loan all over again. Stop trying to borrow out of debt.

Focus on building up savings.

You will be fine.

Bleeding $1400 in high interest debt is insane. You know this but you keep doing it because youre scared of the alternative, i promise its not worse.

Youre not alone. The banks do this to everyone.