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Member Comments
By abiluv9 on November 20, 2009 at 09:00 PM
I just made my very last car payment!!!
By goworkout09 on October 7, 2009 at 06:53 AM
I have a lot of debt and am now trying to do something about it while I am young. I need some management and a debt relief plan. Any places you know of?
Thank you!!
By justperfect on October 11, 2009 at 03:34 PM
You can go to www.cnnmoney.com...there you will find a Debt Calculater...where all you have to do is input your credit card info and it automatically gets calculated to show you how soon each card can be payed off...very good site!
Have you ever heard of this guy John Cummuta...he "Sells" a program (Transforming Debt into Wealth)His Program is much more detailed than the CNN website and will also take you to the next step after you become debt free...but it's not cheap.
But...cnnmoney.com has no fee...and is relatively simple to follow..
I think that it's a great site to use for getting out of debt...especially if you are young and still lucky enough to have a steady income...both of which...I'm Not :0)
Good Luck!
By Anonymous on October 18, 2009 at 01:50 PM
Dave Ramsey's website has some free printable budgetting pages so that you can write down how much you plan to spend & then what you actually spend on things each month.
It can help you see where your money is going and help you allocate a bit better.
Not sure if that would help you, but yeah. :)
Haven't been to the www.cnnmoney.com yet, but now I plan to!
By allsiegoob on October 24, 2009 at 09:06 AM
I have heard bad things about debt relief plans. I would try to stay away from those!
By peaceskr51 on November 19, 2009 at 08:15 PM
Debtors Anonymous is available to everyone. There is no cost and they will help to solvency but you will have to do the work such as keeping track of spending, saving, etc.
By Anonymous on November 19, 2009 at 01:45 PM
23518-675-hopefully will be out of the 23's and into the 22's by Dec.1
By Anonymous on November 19, 2009 at 01:47 PM
23518
By abeeler12 on November 18, 2009 at 05:05 PM
I only use my credit cards when I absolutely need something. Right now I have 5 credit cards and 1 loan...I know it is a little excessive. I am only $9,400 in debt. I just have the 1 loan and 2 credit cards paid off. I am the type of person that hates debt and I pay as much as I can at a time. Hope to be debt free in 1 year.
By abeaup01 on November 16, 2009 at 04:58 PM
trying to get rid of my credit card bill before the Christmas season....
By Anonymous on November 10, 2009 at 02:54 PM
I took care of my mom who had breast cancer for the last two years. In July she finally moved back home, as she has fully recovered and beat the cancer! This was the third she ever dealt with. Given that I was her financial support for two years, I am now dealing with the debt aftermath. Needless to say it's been tough, but in the last 8 months I've managed to recover from a 40k hole and now only have 12k to pay back! There are worse things than being in debt, you can recover with perseverance and the right attitude!
By allsiegoob on November 16, 2009 at 03:35 AM
Wow, it sounds like you and your family have dealt with a full plate over the last few years. Good for you for focusing on getting out of the hole. We needed to use debt to survive too and now I am working on getting out of that hole and hopefully never see it again!
By chhuntley on November 13, 2009 at 07:21 AM
Nothing has helped me more to eliminate my debt that Dave Ramsey's Total Money Makeover book. It was so straight forward and obvious. I guess I just needed someone to tell me.
I am not totally out of debt but have made a huge dent in it!
You can do it!
By allsiegoob on November 16, 2009 at 03:33 AM
I watch Dave for inspiration to keep me going on my debt snowball. His approach for the most part is common sense and I hope I make a huge dent in my debt soon too!
By shaggz on November 13, 2009 at 11:46 AM
i am getting married in three weeks. Thanks to Dave Ramsey in my head, we have managed to pay cash for everything and scaled it down to what we could afford. it is amazing how little you really need when you want to start life without additional debt. we were looking at simple gold bands but the price of gold keeps rising and even a simple gold band (one that does not come with bad karma included) was priced out of our budget so we decided we can wait to purchase something that will not ever have an affect on how we feel about each other. If we invest in our financial future now we will will be happier in the long run and have more reason to look forward to retirement together.
Thank you Dave Ramsey, I will baby step my way to wealth!
By allsiegoob on November 16, 2009 at 03:31 AM
You are so smart to do that. We started out our marriage in debt and it never got better. Having made every financial mistake known, I am at least hoping I teach my children to stay away from debt and all of the headaches that it causes.
By Anonymous on November 11, 2009 at 02:49 PM
This creeping debt leaves me breathless. I have compulsive shopping habits and I like to get away on most weekends. I need to face this debt and stop spending.
By Anonymous on November 10, 2009 at 06:57 AM
Just starting out and I'm setting goals today.
By chulachica on November 9, 2009 at 07:32 PM
I kept track of spending today.
By Anonymous on November 4, 2009 at 09:14 AM
I paid off two credit cards....one left to go :-)
By allsiegoob on November 4, 2009 at 09:46 AM
Yea for you!!!
By chulachica on November 8, 2009 at 10:36 PM
Great! This is encouraging to read.
By chulachica on November 8, 2009 at 10:35 PM
Like the previous writer, I have recently started tracking spending. This has given me a realistic picture of how much money there really is to spend, instead of buying, buying, buying.
Not using credit cards for a long time; paying them off as best as I can, one at a time.
Hate being a slave to this unsecured debt.
By gallerygurl on November 7, 2009 at 04:58 PM
I've recently made a budget and realized my spending is not in sync with my income. I am working really hard to adjust my life style to better fit my pay check. It's been hard adjusting and I have yet to meet my budget. However, I am whittling away at my overspending bit by bit. My goal is to meet my budget and to continue to meet it each month.
By allsiegoob on November 8, 2009 at 07:24 PM
You can do it!
By akp714 on November 6, 2009 at 06:53 AM
just graduated from medical school. Can you say $250,000 in debt from school loans! This will take a while.
By Skinnymomma07 on November 4, 2009 at 09:53 AM
Hey all...I'm on here to keep in check..I have a 3 year old and just die everyday that I have to go to work and be away from her....I would love to be a SAHM...but need to get rid of some debt..or find a way to work at home nights LOL!
I hate feeling like I have part time custody of my child.
So here is my pledge to reduce and get rid of debt...
By Skinnymomma07 on November 4, 2009 at 09:57 AM
I forgot to add...I'm going to try and put 10.00 a week away to start with...I know this doesn't sound hard..but it is when you live pay check to pay check :)
By allsiegoob on November 5, 2009 at 09:43 AM
Good luck to you skinnymomma! It is very hard to get on the debt free lifestyle after having been in a debt type of lifestyle. Hang in there!
By Trixiegrrr on November 2, 2009 at 10:12 AM
I managed to finish Baby Step #1 *dance*
By I-hikergirl on October 24, 2009 at 05:52 PM
Fail. I need a chaperone . . .
By Trixiegrrr on October 25, 2009 at 10:33 AM
Amen to that.
By VIRGO17 on October 26, 2009 at 02:10 PM
I have one, and it doesn't work. I'd fire her, but she's my wife.
Yes, I am the spender in the family. I am off the next two days...
I think I will begin again. Maybe I'll just try sleeping for 48 hours. Yea, that should work...Unless there is something called
"Sleep Spending" What do you say that We just keep trying to improve? I wish you the best in achieving all of your goals.
By Trixiegrrr on November 2, 2009 at 10:07 AM
Virgo I have heard of people who actually do internet shopping in their sleep...
By allsiegoob on November 2, 2009 at 04:37 AM
I went one whole month without creating more debt. Yea for me! I have a budget worked out but I cannot really start it until January because I have medical bills that need to be paid that are not covered by my flexible spending account since that money is gone. I have decided to approach my debt issues the way I am approaching my weight issues, lifestyle changes. Small changes that will stick with me for the rest of my life instead of jumping in and making the same mistakes. This is the first year I have not spent the X-mas club money on things other than X-mas, so that is a big change. We went without a dishwasher for a year and saved up cash, so that was a big change, and like I said before, I have gone two months without creating more debt. I have a spreadsheet that I am tracking my debt snowball on. That is as eyeopening as tracking your calories! I pay $1800.00 a month on all my debt, including my mortgage. $900.00 of that is interest! Debt has helped me at times in my life but now it is time to get rid of it so that I can retire and not eat cat food!
By Anonymous on October 29, 2009 at 06:09 PM
Paid a few bills today and it felt good to pay ahead...got a loooonngg way to go. Baby steps.