Getting out of an upside-down budget

An upside-down loan is when you owe more than the property is worth - so that by selling it, you could not pay off the loan.

So an upside-down budget is when you don't make enough money to even pay your most basic of bills. Yes I just made this term up now.

I thank God that I have never been in this situation, but Brent has - right out of college he had a crappy paying job, and just could not make ends meet - and he wasn't being wastful either.

How do you cope with this? Good question. Brent said he would pay a debt bill one month, and then 'forget' to pay it the next month. He didn't really say much about paying or not paying utilities. I mentioned something about your credit score going down the toilet if you did this, but I guess when you have no money, you don't worry much about your credit score. Anyway, then Brent got some fraudulant charges on his phone bill which he couldn't pay, and since he had just gotten laid off anyway, he just moved away and ignored it. (For the record, I don't recommend this.)

So then Brent moved into a super low rent place (uh, his parent's basement) and got someone (dad) to help him get orgainized. Slowly he worked it all out, and shortly after we were married, he chased down all his old debt and cleared his name.

Anyway, I'm not sure what the point of this post is, other than to say that it is possible to get out of debt, no matter how hopeless it seems (and that is just as much encouragement for me right now as it is anyone else).