Pay off all my debt

10,000 (Husband’s credit card)
14,500 (Student loans)
6,500 (credit card)

31,000 dollars left to go

31,000/45,000: Amount paid off 14,000 dollars already!!!

I won some money and we put it all towards bills! I never ever gamble… but I put a dollar in a machine cause i was waiting for my friend to finish her game! Lucky!

We filed our income taxes and got some cash back. We used it all to pay off 3/4 credit cards. Now we still have 2 loans out (10,000); 2 student loans (22,500); and the last credit card (6,800)

So 38,500 dollars left to go.
But that’s 38500/45000 So for the first year of paying off our bills, we have done pretty well.

We will have 12,500 paid off by Christmas.
Then we will be down to 26,500… YAYS!

So, I’m 21 years old and approx $23,000.00 in debt with NOTHING to show for it. I just can’t help buying clothes, food, books, etc. I think I’m addicted to spending money. I am DESPERATE to pay my debt because I would like to quit working full time and go to university.

No one knows I’m in debt because I hide it from my family and friends, I hate feeling guilty.

I really do lack self-control and discipline.

Any suggestions? My debt is controlling my life!

paid off last week—and the amount on my student loan keeps getting less!

After college I was about $60,000 in debt with credit cards that were charging me 29% interest. I thought I would NEVER get out of debt.

Three years ago I was at about $40,000 in debt with better interest rates and a better job.

Now I’m at about $29,000 with very low interest rates and the best job I’ve had so far. It finally seems like the end may be in sight! If I continue to pay at the rate I’m paying now, I should be able to knock $9000 of this off this year. I’m also not adding any new debt, which is definitely helpful (not as helpful as winning the lottery, but we do what we can).

i will work toward paying off al my crappy debt by the end of 2009

The debt isn’t cut in half, but it is decreasing at a fairly decent rate. I’m down to only two credit cards instead of 6 and I’m paying more principle on my student loan, which means it’s decreasing fairly rapidly as well. The nice thing about paying down debt is that, as it gets lower you’re able to pay it much more quickly because you aren’t paying as much in interest. I’m going to start cutting up my old cards and just keep enough open to keep a good credit rating.

From now on, living more simply is my goal. Books and movies have always been my big vice, but there’s no need to buy them when you live right up the street from a library and can get them for free. Consumerism isn’t all it’s cracked up to be. I think we’re learning this the hard way.

My husband and I are in debt about 85,000.00 not including our mortgage he has two full-time jobs well paid and I have one part-time well paid and still can’t pay our montly bills in full. I am looking for a second job as well. I wish there was a way to put everything into one payment without the the Credit Counseling that brakes your credit. We found out when we purchased our home that credit counseling is bad for when aquiring credit you loose your credibility!

I’m still young I’m only 22 but i was only 18 when I got my first credit card I had awesome credit well when my hours got cut I couldnt afford my bills because i had a son to take care of so now i’m in crazy debt and would love to get out of it!

paid in full!!! I got all my paperwork from before college and the promissory note back in the mail yesterday, with a big stamp on it, reading “PAID”. What a great feeling! Now there’s still one to go, but even for that one the installments have become less…