get out of debt

I am a mom of 2 teens about 2 years shy of college. Also I have a 6 year old. Married to an awesome hubby for 14 years. The father of our children. I am taking little steps to get out of debt..first step is admitting and accepting it!! I am! To be cont’d
so far this is what I have done..
1. Admitted that it’s in my life (our lives!) and decided to get on the no debt bandwagon!
2. Got my hubby to realize that we have never been “together” regarding finances….no more!
3. Got help via low interest personal loan to pay majority of student loan debt off!
4. Debt mgmt thru reputable agency that has taken a lot of pressure off of so many bills!!

Still not ahead but need prayers, support, and cheers!

I’ve got a meeting on Monday morning, before getting an actual interview. There aren’t many candidates, so there’s a good chance of getting the job.

Wish me luck :-)

How on earth does anyone ever pay off their student loan debt??? I hadn’t been taking it into account, because I’ve been in school and they’ve been deferred, but come January I will be making payments of about $250 per month. Which with me out of work and my husband and I already struggling to pay bills and rent, will be impossible.
Life comes with so many stupid, unnecessary complications.
And my student loan debt only comes to about $20,000 – which is horrible, yes, but students who go to private schools end up with like $50,000+ in debt. How do they handle the payments? It blows my mind.

cc1 – 824.49
cc2 – 579.87
cc3 – 598.72
cc4 – 2095.03
car – 1230.48

total debt – 5328.59 – 7/8/09

this is the stuff that needs to get paid off first, in highest-interest rate order. i feel overwhelmed. but, once i move and get a job, i can start paying it down slowly. i’ve already committed myself not to use my cards anymore unless there is an absolute emergency.

Just another update on my payments…

Still no luck on the job front though. I haven’t got much time. My last day at work is th 26th of July, which only gives me two and a half weeks left.

So much stress.

I hate owing people money and I am sick of paying interest! It is like throwing money out the window. The sad thing is that I thought debt was a normal thing in life, until I discovered Dave Ramsey, who teaches that debt is DUMB (which it is)!!!

so far so good! I’ve got payment plans on everything and paid off one thing completely! In less than three months I’ll have 2/3 of everything paid off! but lord was it scary making all those calls….

NEED to get this excessive overdraft paid off!

Currently at
CC1 – $4150
CC2 – $800
CAR – $1310
DAD – $1000

I have paid off a lot of CC1 but then had to put stuff on there for work which will take another 2 weeks for them to pay back the money through expenses.

Another 2 weeks and I can close the account for CC2!!!
And then put that $500 a week towards CC1!!!

1 : 4,408
2 : 676.46
CHASE: 834.49
PAYPAL: 176.77
BESTBUY: 1,831.71
macys: 807.99
home depot: 856.07

Total Debt:9595.42 07/04/09

If i commit myself to 1599.66 a month i could be debt free in six months!!!!