I am a single mom of 2 kids ages 10 and 5. I have been single for 5 years. I work 80 hours a week and gross $720. I have monthly bills of daycare, car payment, insurance, food, clothing, and emergency. I have many bills to pay. I am not sure right now how much is owed, last time I did add it all up it was close to $8,000.00. I want to get all of these bills paid with in one year if possible and start on a clean slate. I am tired of having high interest rates, being turned down on a purchase, or low credit score. What can I do?