43future




I'm doing 24 things
 
Recent entries
get out of debt (read all 21 entries…)
Nightmares 7 months ago

I haven’t been on this site for reasons of fear of addressing this issue. I fell off the wagon, so to speak, and have drowned myself in debt. I can no longer make the payments. I am broke.
The question- has anyone ever used a Debt Managment program? If so, what were your results?? Any information I can get would be enormously helpful. I don’t want to file bankruptcy- but I don’t want to get into a mess either.


get into a masters program
Application 9 months ago

I sent off my application to graduate school on Saturday. I wonder when i’ll hear back?


get out of debt (read all 21 entries…)
I go in stages..... 9 months ago

with this whole thing. I get very serious and then I fall hard, spending thousands of dollars on credit cards and hoping it all disappears in the morning. Here’s what I know: I have paid off one credit card in the past year that i’ve had this goal. I have gotten two additional credit cards and maxed them out. I have a problem. SO, the final straw came yesterday when I received the notice from my credit card company that they were changing the interest rate on my account to 33%. My option was to either close the account and not accept the terms of the new agreement or accept paying 33% to a credit card company on things I can’t even remember purchasing. I wrote them a letter indicating that I want to close the account and NOW i’m on a mission. This whole reality check has brought me to understand that I am ruining my life with all this debt and the only way to get out of it is to GET SERIOUS!! This can happen- its not going to happen overnight- but it can happen. My goal is to be out of Credit Card debt by next December. Wish me luck.


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