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How I did it: Half of my paycheck went to paying off credit cards and loans. I started with paying off the credit card with the highest APR, then the second highest afterward, as I was paying the minimum for the rest of my credit cards. I had a dry erase board that I drew bar grafts of my debt on each card and shaded in what I was paying off. On the other side of the board I wrote down my expenses, and found that most of my money was spent on buying food and beauty products and partying. So, I knew where I needed to cut down.
Lessons & tips: Journal your expenses so you know what you're wasting your money on.
Pay off as much of your credit card as possible and shred the card, never use it to purchase again.
Resources: Big brother with good credit.
Just paid off 2 credit cards tonight and 2 student loads completely paid off. Oh yeah! Feels good! Only 1 debt more to pay off. I feel disciplined and my overtime and hard work is not going to waste. I’m trying as much as possible to be debt free before I get married. And at this rate, I might be able to do it after all.
rosieMar is my B-Day!
Down to 590 uugghhh! I havent been late in any payment, but bought a car and two new inquiries.
randomalia wants a comfy pair of moccasins.
Wheeeee! I got money from a car accident settlement and was able to pay down almost $800 of debt in December, which jumped my score up 21 points in a month! I can’t believe I’ve finally made it!
randomalia wants a comfy pair of moccasins.
Yay for paying off (some) credit card debt and having my score jump up. I only have 15 points to go.
EFlores is organizing my home office
My credit score is low, I am sure but I want to do the best I can to change my habits and improve my score!
wedaluvsu is working
score is now 590…ugh…hopefully i can improve this sooner than later.
FootFace wants to become a published writer
create a anime music video
learn guitar
Go back to school and finish my degree
reread Joyce's Ulysses
win a scholarship
learn how to blow glass
let go
Go scuba diving
Volunteer
Be more spontaneous and creative
get laser eye surgery
amora630 wants to read a book per month
watch Sailor Moon episodes
Become Financially Independent
Learn to play the piano
grow my hair really long
have white teeth
create my own 3d game!(free)
Give blood
volunteer in Africa
create the soundtrack to my life
