It’s the Halloween season, and few people would be as scared as Will, a member of My Total Money Makeover. He’s staring down $647,000 in debt.

Between $84,000 in credit card debt and student loans, $540,000 in debt on a mortgage and a townhouse investment property, and a $23,000 car note, he’s got more than a few reasons to be scared.

But he’s made up his mind to not be frightened and instead is pushing forward. He’s got a better idea of the basics now (such as living frugally), but what else does he need to know? And what encouragement does he need? That’s where his fellow My Total Money Makeover members come in.

"The sooner you can dump the properties and the car, the sooner you will be able to breathe again. We'll be here to help you stay on track on this long journey, so know that you have lots of encouragement and support." – Kay in Washington

"You are in the right place here, and you will get the support you need to have the discipline to work the plan. Selling the car and replacing it with a beater is a great first step. Working extra to get extra money is a great way to knock out the debt.

"Post often and share your struggles as well as your victories here. There are a variety of people to help you. Those who have been through it can tell what worked for them." – Kim in Kansas

"Thanks for joining us—you have come to the right place. Just a quick thought—can the student loans be put on hardship deferral while you tackle some of the rest of the debt? If so, might it make sense in your situation? You are on your way to becoming a super success story. It is just going to take a few years." – Kathryn in North Dakota

That’s just the start. See all the other comments that members have for Will.

The support made an impact on him, to say the least.

"Wow, I was so surprised to see so many replies so quick! I want to thank everyone for your warm welcomes, and I feel so blessed and encouraged by everyone here. This place seems to be a place of such love and positive energy!" – Will

It will take some dramatic change before Will digs his way out of this. But here’s the thing about drastic changes: They always seem scarier than they are. You get that knot in the pit of your stomach thinking about working late and not seeing your kids, or selling that car you love, or giving up vacations for a while. It’s not fun; we get that.

We also get how enjoyable it is when sacrifice pays off. When you have ditched that car payment that is weighing you down, you relax a little more. When you are debt-free and can quit that second job, you appreciate the extra time with your family. It’s not easy, but is it ever worth it.

The members of My Total Money Makeover are real people with real answers. With over 40,000 members, there is at least one person who can help you with almost any topic! Try it out for yourself with a free trial.