Untitled
3 days ago
Consolidation loan . . . DENIED!!!
People who have done this
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How to pay off my credit card debt
It made me
relieved
 "Just keep plugging away at it, while not increasing your debt at all."
How I did it: I worked on the smaller debts first but also paid something to the larger ones when I could. I knocked off a couple of debts that were in the hundreds, then tackled the debts that were in the thousands. Lessons & tips: I went to work as much as possible. Resources: Telephone, internet, and my bank account.
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More "How I Did It" stories
It made me
Free!!! 
How I did it: I did this in tandem with my goal of maintaining $ in my savings account. But this was higher priority, because I knew the longer I lived in debt, the more used to it I would get. I stopped shopping randomly when I was bored, instead I poured myself into doing things that I loved. I stopped eating out too. Also since I was monitoring my account so closely, I was not incurring any overdraft fees that were wasting my money. As much as possi… Read how I did it…
It made me
Free
How I did it: Chances are that if you have uncontrollable credit card debt, there are areas in your spending you can trim or cut out entirely. I made a list of my expenses and was able to see in black and white that there was no reason I should be $15,000 in debt. Yes, $15,000 !!! Read how I did it…
It made me
free
How I did it: i started my taking out a 2 year low interest personal loan when they cut the rates in half for a christmas special and then overpaid on that every month right out of my paycheck so i wasn't even used to having the money. then i just prioritized what was important, tried to cut even the small amounts wherever i could and (the biggest to me) stopped eating out as much. instead of making the minimum payment i paid as much as i could w… Read how I did it…
It made me
whoo!
How I did it: Online bill-paying through my bank was very useful. I set up recurring payments for as much as I could afford each month, scheduled for a few days after I usually deposit my paycheck. It came right out of my account and I didn't even notice it. I also added any leftover money I had from month to month. Read how I did it…
retrochic im sick agin boo!!!!!
It made me
relieved!
How I did it: Working in the bar, i make alot of tips, or just find a heap of cash on the floor, i managed to save up all these tips to pay off my debt... it was only around $500 but it was still enough to bog me down...Im so happy i finished this goal... i have paid it off a few times but this time is for real! I switched to a debit card so i can still do online stuff but im spending my own money, not racking up a debt with high interest rates. eeek! Read how I did it…
→ See all 7 "How I did it" stories
People doing this are also doing these things:
Entries
6/28/09
6 days ago
6/28
This is proving to be, oh, a tad more difficult than previously understood. I can now see that this (very, very) large goal is made up of several smaller goals. The first of these is to apply for a consolidation loan from the bank. The second is to get serious about my spending. That part is frustrating, because I don’t live an extravagant lifestyle and I feel deprived most of the time as it is. But, I’m hoping that by introducing some additional structure and discipline I can come to feel a sense of empowerment. So then, structure. The first new goal is to eat for under $50 per week. This means preparing all my food at home. That means waking up in time to eat breakfast and not buying a croissant and coffee as I rush to the subway. And that requires going to sleep early so that I am able to wake up with enough time to eat. See? It gets complicated. Anyway, I’ve added these as new goals and I’ll be marking my progress in each. Here we go . . .
Smartest snail birdwatching with the girl...
unbelieveable
1 week ago
So I have been trying to put it nicely and trying to get my girlfriend to see that there are some things that are important right now and others that are important to overall scheme of life. Yesterday, I needed 2 tires because of holes so I bought the whole set because the other 2 werent so hot either. She tells me to charge it. Apparently we just met because this is what we have a savings for. She has charged tires and repairs for her car and total that is now up over $1000. We went to Old Navy so I could get some short sleeve shirts (which is unusual for me, I NEVER buy anything for myself) and she charged it. UUUGGGHHHHH.
Last night I sat here with the bills and realized everything we paid off in the last year has been tacked back on. Thank god I live alone now because I LOST it.
Apparently getting a house and having a baby do not compare to buying things she wants right now. This is getting so F#@*ing old.
Progress
1 week ago
Total monthly payments toward debt:
June 2009: $601.24 paid, $6768 total debt at months end.
Paul T. Klein has more than 43 things...
One Step at a Time
3 weeks ago
Well, clearly the first step in achieving this goal is having some sort of legitimate income… After all, being unemployed is what’s really driving me further and further into credit card debt.
But here’s the deal (and now, whether or not this is a good idea or not is beside the point)...
I figure one of the smartest things I can do to start this process is to reduce the amount of interest that is accumulating on my cards. My Chase card, for example, has an interest rate of 18.24%. So, in order to do this, I’ve taken out a final (seriously, final) credit card that will give me 0% interest for the first year. I’ll be transferring my balances from my other two cards onto this card until I become employed again and can start making large payments. This way, I can reduce the total amount I owe.
Once I’ve completely paid off my cards (I’m giving myself until the end of the year to do so), I plan on canceling one of the cards, as I don’t feel it will be necessary for me to have three lines of credit.
Here’s to hoping this works well…
Miss Sha is swimming in a stream of keyboard keys
Untitled
1 month ago
Card 1 – $37 left to pay
Card 2 – $250 left to pay
I’d say that’s a mighty fine jump for someone who was up to $1200 in credit card debt!!! Thank God, I’m almost there.
Joey Harris the hardest thing is life, is getting up and changing it
Next paycheck
2 months ago
All i need is 11 dollars and I’m out of debt, only thing is I have to wait, feel so good to be debt free ,
Joey Harris the hardest thing is life, is getting up and changing it
Not like 40, 000 but still a pain in the asss
2 months ago
my credit is 250, so i just got paid today and i just got paid 284. so I’m gonna put 200 hundred down , eand hopefuly have Kevin put down the last 50. cause itf I don’t pay it before may 3, bank of america add another 35. 00 to it late payment arghh gotta be smarter next time.
Haha.
2 months ago
The universe laughs at my silly little plans.
Last night the hot water heater burst. Gallons of scalding water going right down the drain. Turned off the water and the power to the unit.
No way I’ll get done with this for less than $800, though…and likely more.
And until it’s done, I’m losing sleep because I have to get up an hour earlier, drag my ass to the University gym, and shower there. Way less pleasant than going straight from bed.
