Recently I sat down with our bills and wrote out all, and I mean ALL, of our debt. I had to start crying when I added it up. Why, oh why, have we let it get this out of control? We are just under $78,000 in debt before the house. After sitting down with dh we are starting to formulate a plan of attack. So, here is what we have done so far ..... Got a settlement from a car accident we were in last year - paid off Ginny's bill and A-1 Cash in full, paid the repairman who fixed our dryer, got both car payments caught up and bought me a new sewing machine as mine was on its last leg. We also gave dd $800 to help fix her car. We have some repairs around the house the we have to do and the garden was planted. $663.00 off of our debt. We are looking at cashing in our annuity. If we are able to we plan to use it ..... to pay off both annuity loans we have taken out, saving almost $203 a month, Wells Fargo (for our ...