Getting out of a financial hole I. Get a financial advisor. Give control to them. Realize the first sixty days will be the roughest. Keep your thoughts on the short range goals. Get rid of the checking account. Use money orders. Keep your mind off of the big picture.
Getting out of a financial hole II. Use an envelope system to weekly set aside money for each creditor. When the first or any bill is paid off roll that payment into the next smallest bill. When an emergency happens go to your financial advisor-do what they say to do. Don’t run.