get out of debt and stay out of debt

I’m only 20 and I have bad credit. In part, it is thanks to my lazy mother that taught me nothing of handling finances, but in part because I’ve been young and dumb. I have maybe 3-4,000 in debt, so I want to clear this before I graduate college so that by the time I do get out of college, I’ll be able to start looking for a house and car, etc. etc.

Detailed all the payments for every credit card and debt I have. Shaved off all unnecessary spending (movies, eating out, junk food, etc). These things can wait. I’m finding new recreational routes that are inexpensive or free, since there are more than one path to contentment and happiness.

I’m rabidly obeying my budget to the last penny. I carry a notebook with me to record every bit of spending including the small cups of coffee from the street vendor. That way, I can follow where my money is going, and not feel like it has vaporized from my hands the day after payday. It helps me curb impulse purchase.

I’ve also removed all credit cards from my purse, and put in their place a card with a note “Only what I need. Not what I want.” That card has been my financial best friend for a few months now.

I need to do a few things…I have 2 credit cards that I am in debt with. I am in the process of settle’n the lower one. LOrd knows when I wll get to the other one. I also need to find someone to help me get some false debts on my report. I rather pay someone then call around for hours. So after I pay off this one card I will go and get help with the rest.

I am currently 7,500 dollars in debt my goal is to eliminate it all in 6 months. I’m starting this today. So far I am cutting down on most Of my spending and giving up my apartment next month. I have also Started looking for a second job. In this economy it will be hard but I’m determined.

You pay one, another comes! You think you are caught up and here comes another one. I hate going to the mailbox!

OMG!!! will this never end!!!! Debt sucks. period. But with faith and determination I shall get out of this hole that I have created for myself. I know that it is Satan’s attempt to manipulate me into thinking that it will never end, but I know that it will.

...but will try…next year! I’ve got two major credit card debts:
Chase = $7,200 and WAMU = $4,200.

The debt keeps adding up and the phone calls keep coming. I will never get out of this hole. I have to continue school to get a good job to make money. I need to make money to pay off this debt. Yet this debt is caused by me going to school.

They should totally only be used as a substitute for cash you currently have, or will have within a month.

When I got my place last year there were a bunch of necessities I needed (lawnmower, bed, you name it), so I didn’t feel bad charging a lot of things. My goal the last 6 months has been to pay off my cards and have my only monthly payments be my utilities and mortgage. I am probably 2-3 months away from the freedom I seek.

FEELS GOOD