It’s hard being in a serious (as in, looking for rings) relationship with someone who has good credit and knows how to save money when your credit and savings suck. So I decided I need to get out of debt. So far I have:

-consolidated school loans and requested a forebearance. As long as you keep in contact with them they’re cool.

-got my free credit report to check any errors. Also, you can write the credit bureau check to see if the info is accurate. I wrote about a few old accounts and 1 i didn’t remember and they took them off. Sweet!

-got my credit score. It’s so sad (i almost cried). but at least i know what I have to do. the Suze Orman package at myfico.com is the best deal BTW.

-set up payments w/people I owed. This part is killing me but I will have paid off 2 things by Oct so i’m kinda happy. And if you owe a dept store they usually make a deal that you can get a new card once you’ve paid off old debt so it will look like you have better credit.

Now, can anyone help me budget?

Thanks!