pay off debts

Total debts: $95,467.64

Student Loans: $49,046.6
Car Loan: $17,639.31
Credit Cards: $28,781.73

Total Debt: $95,722.92

Breakdown:
Student Loans: $49,182,23
Auto Loan: $17,639.31
Credit Cards: $28,901.38

Things have just got in such a muddle, i need to sort out the money i owe, and start paying off more than just the minimum balance! so that i can move further forward!

added a extra 40 a fortnight to my loan

I’m currently on social security disability. I would like to eventually get in a place of healing emotionally in order to get back out there in the work force to pay off all my debts, establish good credit, and live a healthy lifestyle.

The running joke people always say is “If I win the lottery” – but I say that realizing, I never actually pay for lottery tickets, how can I win? I don’t like to gamble. I believe that I can somehow earn my money or if I do try for a lottery ticket and win, hey, that would be great. I just don’t want to throw away hundreds or thousands of dollars on lotto tiks that never win me anything. I like safe approaches to things.

So for my goals, I take care of my disabilities first, rehabilitate myself back into society again, and then work towards paying off my debts slowly.

I try to keep the attitude that people can go into debt just for say a one-day event like a wedding or an unexpected event like a car accident or injury. I see my debt as not that much compared to how much it could be.

I owe taxes, I have 1 tax lien, I am on a fixed income, disabled (emotionally, primarily), and owe Unemployment Insurance over 10,000. I have mostly medical bills. I have no credit card debt. I do have other debts that will eventually fall off by the time I get back in the work-force. In the meantime, I keep the hope, I hold positive and work through day-by-day each goal that will eventually get me there. I know things will eventually be worked off as long as I work at something – even if it is a small step. It takes one small step to lead to that millionth step – and each step counts, no matter how small.

Debts are hard and stressful, but I try to not take the judgments or rejections from people and instead say the affirmations that I can do this one step at a time, I can do this and hold a positive attitude, and when I look back, and disregard all the voices in my head and not listen to people’s judgments, I will get to where I need to get to by ignoring the things that hinder me versus giving me hope.

a little debt is still debt!

Just want to become debt free, am working on it but it seems it just piles up!

I have made some very poor choices in my time. From over charging credit cards to co signing for a 7 series BMW that was repossesed. My credit is shot. I am making major life style changes in order to clean my credit. My son will be heading to college and this is my time to DOWNSIZE and take the extra cash to repay debt…This is my first stradegy.

credit cards…car payment…loans…

all of it…

So far I’m off to a great start this year. I had 11 major debts at the start of the year. So far I’ve managed to pay off 3 credit cards in full and haven’t used them since… (destroying the cards definitely helped there)... as of next payday (so long as the IRS releases my tax refund to the state right away) my arrears from my child support being backdated from the start and getting a few weeks behind when I lost my job should be paid off and should put me a little bit ahead… 1 major loan I have will be paid off in November even just making the minimum payment on it until then… Out of what’s left I’ve got 2 that are all but paid off and 2 that are about 1/2 paid off… As long as I keep it up, I think I should be able to get rid of everything but my car payment by the end of the year…

DEBT IS A FUNNY THING. WHILE I’M NOT DROWNING IN IT, IT IS CONSTANTLY IN THE BACK OF MY MIND. I FEEL LIKE THIS YEAR I MIGHT JUST DO IT!