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How to get out of debt
How I did it: I got a second job, which nearly doubled my monthly income. With that extra money, I was able to dedicate full paychecks every two weeks to my bank account which was nearly $700 in the red. Then I switched my car insurance from Geico to Progressive so I don't have to worry anymore about having funds randomly taken out of my account (If I had the money I would've sued Geico for that. They really screwed me over).
Once my bank account was in the clear I focused on bills that had gone into collection. The only two debts I have left are my car payment, and my student loans. Both of which I make monthly payments on.
camachoborracho is taking it one hour at a time
Wait, so is this done?
Not to take away from your accomplishment, but it sounds like you’re still in debt, just less extreme/credit damaging debt. Congrats on paying that off. Can you clarify?
Ayla is working
For the most part, yes.
Because my student loans and car payments haven’t gone into collection, I didn’t really consider them to be debt. I make regular payments on both loans which improves my credit score. Not only that but I usually pay more than the minimum monthly balance, which speeds things up. I plan on making a $500 payment on my car next month, I’m only required to make $139.
So to clarify, yes I’m still technically in debt (5k car loan + 2.5k student loan) But given the fact that I pay these regularly and in excess, they go down in my ledger as regular monthly expenses.
Also, I would like to say that I absolutely love Progressive. I don’t think I will ever have to switch from them, like I did with Geico.