get out of debt

i have a conditional job offer in Virginia to work for an extremely beautiful school. im praying that if I get this job that i have no problems with my documents… 19 hours ago

11 Feb ‘12
Consolidated my 2 credit cards into one (lower rate) personal loan, with mandatory monthly payments over 2 years. Yay! Just that action alone has made me feel more confident about achieving this goal :) 1 day ago

I think I’m going to have my biggest check yet with the company I’m working with. I made the most for the last pay period that I’ve made since I’ve been working for them… we’ll see how much my paycheck ends up being. Hope it will be enough to pay off a things I need to pay off this time… 2 days ago

Paid $800 into the $6000 student loan account with state tax return money today. 5 days ago

all of my credit cards are paid off and shredded and i’m chipping away at my student loans, slowly but surely. the next financial windfall i get – and i don’t mean the lotto, folks – will pay that off. i can’t even begin to tell you how good that felt, turning those cards into confetti. to be completely honest with you, it felt like freedom.

as it turns out, there’s a very good reason for that.

in proverbs 22:7, the bible says “the rich rule over the poor, and the borrower is servant to the lender.” ew. slavery? really? imagine that. and you thought they ended slavery in this country ages ago. you don’t have to be a greedy and materialistic to pull this off. if you owe up to your eyeballs nowadays (and you probably do if you’re a college graduate), you’re a debt slave. with consumerism at an all time high, the banks have found a convenient, high yield interest way to enslave all of us. the bottom line is, you don’t really own anything that you call yours – especially your home – until you’ve paid for it, in full. this has me rethinking everything i own and want: mending and refurbishing whatever i want to keep, eradicating impulse shopping and paying for everything in cash.

sounds simple enough: if you want to be free, stay out of debt.
the bible’s perspective on money is very interesting. God doesn’t seem to mind the wealthy – but He can’t stand greed, or those who take advantage of the poor or less fortunate.

all i know is, i can finally see the light at the end of the tunnel. and it looks glorious. 6 days ago

to be impressed with myself. I just thought about it…and I paid off over $6,000 in debt last year.

Holy crap.

I only work two/three nights a week. I had to quit my second job because I went back to school full time. I was going to school full time and did not rack up more debt.

Wow. 1 week ago

I wanted to transfer my medical bill over to my credit card to reduce some of the interest. Then I got caught up in so many other bills that it became impossible. Now that my credit card is low again, I’m going to apply for a balance transfer. No interest for 8 months on $2000? Yes, please. 1 week ago

what would be more satisfying…buying those shoes I want, or making another $100 payment on the Citi card..?

=>.<= 12 months ago

Just paid off one of my cards. That was the best feeling. 1 week ago

Paid of Debt #2 today. It feels good, but I feel like we have so far to go so I am a bit depressed right now….

Here is the current status:

1. Debt at 12% – Paid off as of December 2011
2. Debt at 15% – Paid off as of February 2012 (2 months ahead of schedule)
3. Debt at 0% – Goal September 2012
4. Debt at 0% – Goal January 2013
5. My car loan – Goal April 2013
6. My student loans – Goal November 2013 1 week ago

Just read the Dave Ramsey book. Although I don’t agree with everything he said (mostly that you save for retirement after you’re debt-free), it does remind me how much I am a slave to my debt and how great it would be to be debt free. So I’m going to try to pay off my debt early, one by one. Just paid off about 1100 of credit card debt. Now I am credit card debt free. Now the next target is a 6000 undergrad loan. I will use my tax returns this year (already filed and expecting 1100) to pay off a chunk of that and also pay extra every month. Also need to do a budget to see how much extra I can afford to pay every month. 1 week ago

And more to come. Trying to contact and pay off all of my creditors today :) 1 week ago

Drop extra expenses – gym, credit card fees, etc. 1 week ago

Paid $300 1 week ago

My whole life I heard that my parents were in major debt. As the years go on their debt has become my debt. Something goes into collection, the whole family has less money, including me. They can’t pay a utility, there’s a chance that we will all lose something we need, including me.
Not only am I going to pay off the $250 I still owe on my credit card, but I’m going to help pay off all the debt this family has, putting $20 a week towards it. 1 week ago

I will be able to mark some of my debt off in Feb. when I get my taxes. The only thing I plan to do with that money is to give the Lord the 10% he asked for and to pay off some debt. I should be able to go back to work in Feb also. But I’m really going to try to find another job because my job is to stressful. Which is another entry that I must write about some other time. 2 weeks ago