I have done FPU and am debt free except for my house. It can be done, it is not easy and takes persistence and well worth the effort. Dave Ramsey is local for me and I use to listen to him when he first started his radio program.

Beans and rice, rice and beans lol, you'll understand that saying intently.

Good luck and work the program, it will help get you back on track financially.

You can not change your past, but you can ruin a perfectly good present by worrying about the future.