Are you frustrated there is no easy answer to how to get out of debt? You only have so many hours to work each day. Then the more you work the less time you have for other important things in your life like spending time with family. This can make you feel guilty. You say in the back of your mind you’ll make it up to them but it’s hard to stay ahead of your bills because it doesn’t seem like your money goes far enough anymore. You just feel so frustrated. Believe me I know what you’re going through. I’ve had to deal with the debt collectors calling at 8 AM on a Saturday morning and not stopping until 9 PM. And then starting all over again on Sunday.