I went ahead and took out a loan on our car to pay of credit cards. We’ll pay off the loan next year with our tax refund and Leif’s financial aid. I just need to keep my credit card balance low.
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40winx change of plans
Need to tally everything up being honest….then add up how much i cost to live then where i can afford to save.
Owe 3048.85 in total… probation, fees, legal debts, etc.
want to have this paid in full by the end of the year (preferably sooner)
I got caught up in some marijuana cases, now I owe a lot of money to a lot of parties… it was close to 10 grand… I’ve already paid off over 7 in about 1 year :) I’m hoping to have the rest done by the end of the year, and be free and clear.
I’m talking about “bad debts” which are currently credit cards (4), personal loan, money we owe suppliers in a business, student loans, child support. This goal is going to be here for a while :)
That’s why I’ve split “paying off credit card #1 as this would be a first step in a long process.
Carlya has just joined this website..
because i was studying after year 12, and buying a car and all that jazz.. i worked up a big debt to my parents… they paid for things and put it on the list to pay back. one after another. ended up at like 10 grand or something =/..
so every pay day i pay them money towards my loan, bay board, pay my mobile bill… arr.. Sucked, shitty pay and never had any money left over to myself…
currently ive paid of HEAPS and its so cool. ive had a pay rise too so i have a lil money to myself.. we had a look over it and it should all be finished and payed of by about july this year! yay. ah cant wait. i also crashed the car, but im still paying for the car. so that is so shit. i never ask them to pay anything now because i hate debt! i also have a loan to the bank now, for the new car i got. that wont be paid of for ages. but i just wanna get the other one out of the way.
panchitah is trying.
...to free myself of college and car loans; to be free of financial debt; to live within my means; to take pride of ownership and develop a habit of saving rather than spending.
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!
7layerswithin goal setting
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.




