This is the Ramsey Call of the Day, part of the Ramsey Network.

Viswas is with us in Cincinnati.

Hi, Viswas, how are you?

Hi, Ms. Dave.

This is a great honor to speak to you.

Thank you so much for taking the call.

Sure. What's up?

I'm a legal immigrant from India. I make about $53 to $50k a year. I have $8,000 in debt.

That is $7,000 in credit card and $1,000 remaining in my personal loan that I took a couple of years ago.

I, due to my visa restrictions, it's a single household income.

I'm the only person out to work right now.

I listened to your shows, and I was trying to try and see if there's any possibility.

I could take up some additional work and kind of reduce my debt.

I have already scrapped off all my credit cards.

I've just kept one just in case that I needed because we might.

I did not have much of an emergency cash.

I have like close to $500, $500.

I just didn't just to be on the safer side and any expenses.

It's a two-part question.

Would you have any suggestions unless otherwise I take a

different job or go back to my country? I don't see any other ways I could tackle my expenses to

become depth snowball and reduce the debt. Do you have any suggestions for that? And the main reason

...