get out of debt

So I live in a French province and speak horrible French so I am working with the government to help me get into a funded French integration program. Learning French will allow me to get better and higher paying jobs here and if I move somewhere else the second language will be a huge asset.

Once I find a job again I plan to continue living really simply and aggressively paying of my debt. With my credit card canceled all I have to pay off is about $1400 – which was close to $2000 a few months ago. Once this is paid I plan to pay back my provincial student loan of $10,000 and my federal student loan of $28,000.

I may have a job as of next week! If I do I plan to rapidly pay off the rest of my credit card and continue to live on a simple budget.

Canceled my credit card. When I leave my house I only take as much cash as I need for my intended errand. I have been spending considerably less and overall have been much happier.

Simplifying my spending habits has reduced my stress significantly and improved my quality of life. I still have a lot of student loan debt, which I will avoid for now because even if I make the minimum payment I will barely be covering the interest so it won’t make a difference.

So, the government possibly lost my information regarding my student loan which means they breached the privacy agreement so I may owe them nothing. Instead of calling to find out if I was affected I am going to wait it out and see if they contact me to tell me that I owe them money.

My credit card fraud case is still ongoing, the bank is playing hide and seek with me again. I told them I will not pay a cent until they fix THEIR mistake. I am not paying $2000 + interest for a check that they allowed to be charged to MY account that didn’t even have my signature on it!

If things go my way I will be about $30000 less in debt and will only owe about $10000, that I could manage.

on this goal because I have had so many ups and downs with my health that I haven’t been able to hold down a job – now I am in financial distress and can hardly pay any of my bills.

Job interview tomorrow which I hope will bring good results for me. I need to get this monkey of a debt off of my back.

I am officially jobless and dirt poor and hoping that employment insurance will cover me. Bankrupcy might be a good option because 10 years of carrying this debt load has taken a huge toll on my health.

I made myself a budget a few weeks ago and am writing down every purchase I make so I can see where I can save money and I will think twice before making impulse purchases.

I have reduced the cost of worming my dogs from about $30 a month to a few dollars a month. I started buying them a cheaper brand of wet food which saves me $10 a month on dog food.

I have decided to cancel my yoga membership next month to save an additional $110 per month, and allow myself a few classes a month because my new kitchen job is more than enough exercise for a day for me.

I get a free meal each day at work which reduces my grocery cost and make myself smoothies every morning so that I have a energizing breakfast everyday.

My boyfriend got his brother to start paying for his share of the rent since he is no longer in school.

1. Expensive hair appointments
2. Expensive skin care products
3. Toy purchases for my dogs
4. Clothes shopping (if I need something I can buy at a thrift store)
5. Impulsive buys

This feels like a good start :) yay me.

My credit card has suffered greatly through multiple moves and impulsive things that I really didn’t need. Am being much more mindful of what I spend my money on. I realized a few days ago how much my debt weighs me down. Time to start paying this off more aggressively. Approximately 4 grand in credit card debt and 40 grand in student loans. Gulp.

I’ve been chiseling away at my credit card and line of credit and can probably have the balance paid off in the next few months. Feels pretty good to have this paid off as the line of credit debt has been looming since my trip to British Columbia in 2006. I don’t regret the spending at all because the 6 weeks that I put my life on hold to travel 6,000 kilometers from home gave me the change I needed to move forward in my life.