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Making a Grand Per Month to Stay Out of Debt

The following is a post from Melissa at Mom’s Plans

Making a grand per month can do many wonderful things for you and your family—you can save for retirement, save for your child’s college education, or use the money to become debt free. However, sometimes extra money is needed just to make your budget work.

The adage is to spend less than you earn, but what if your earnings are too small to meet your expenses? What if you are frugal, but you are in a low paying position such as a paid internship or a graduate assistantship and you just can’t make ends meet? What if you have unexpected expenses such as medical bills or an expensive car repair, and you don’t have enough money saved to pay cash?

In many cases, the option is to use credit cards, which can start the downward cycle of credit card

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