Hello all need help budgeting

Hello all

Please let me introduce myself, I am a married lady of 32 years, just

hit the big 50 a few weeks ago and still in debt! My husband is

planning on retiring in just 8 years and if I dont get my mortgage

down I will be paying on it probably til we die. Im thinking about

paying more principal each money and I have done somewhat but it is

not making major dents in this.

I also owe $2400 on a student loan, I have been out of school nine

years (dont know what I was thinking doing that one!) Several credit

cards ( i dont get along with them but they pay my bills lol) and 26

more years on a mortgage if I dont pay if off before then.

My parents had their mortgage paid off when they retired and my dad

retired at 55. Plus they had one more child than i had, I had 3 and

they had 4. However my mom was a very thrifty lady!!!

help me sort what i need to pay off and how to get this mortgage

down. i will admit to being somewhat of a shopacholic but you all

know how fun it is to shop but i am finding shopping and getting a

mortgage free home dont work!

thanks for your advice and im pleased to join the group

vickie