pay off my debt

working on it!

I have a lot of debt that I have racked up over the years and it’s time to get that paid off so that I can start saving money.
I have a list of the places that I owe and I need to set aside an amount of money (that’s manageable) that I can use to pay down my debt.

i am in debt and have helped people in the past by donating small amounts of money online to people in my sittuaion along with thousands of others these people where able to clear their debt fast, please help if you can.
Thank you all

Well, I’d been unemployed and actively looking for a job since I graduated college back in March. Because of this, I was forced to use my credit card on most of the things that kept me going. I have 4700 on the card right now, 37,000 in student loans that have just gone into repayment, and 2600 on my other bank account for my car and a little bit I needed to pull.

37000
4700
2600

44,300 is about what I’m looking at. Fortunately I have a full time job now, so I’m making money to start getting this paid off. And to think less than 3 years ago, I had 0 dollars in debt. I’m gonna pick away at this little by little though. I know I can do it, because I was able to do it the last time I had a credit card balance.

I do not have a ton of debt, but I want to pay it off, and be able to spend less than I make each month.

Getting out from the shackles of debt is a long trip. It’s really easy to be discouraged – this is why it’s important to keep a record of your accomplishments. I may be a bit obsessed with spreadsheets; however -as long as I have access to it I can tell you which accounts are paid off, what percentage I am complete with each account, how much LESS interest I pay now versus a year ago, where I should be after next payday, the next and next – or around forty other metrics. The most important thing to keep track of: How much less interest you pay month to month – and try to make that number grow.

When discouraged looking forward – take the time to look backwards – you’ll feel better unless you’ve been moving backwards – then you really need to look back at your errors.

Screw the buzzwords: snowball, snowflake, avalanche, calving or whatever – just remember this: Every dollar you send at your debts will decrease them.

I dare you to find $100 bucks to trim from your expenses this month and send that at a debt – next month find fifty more… then you’ll be hooked on trimming expenses.

I am trying really hard not to spend money that I don’t have. Lately I seem to have lost the concept of SAVING. Whenever I run out of money I just start using the credit card. Want to make a big purchase? out comes the credit card. and somehow in my mind i think that of course I will pay it off, but I don’t actually sit down and crunch the numbers.

I think I’ve slipped backwards a bit for this goal, but reading other entries has inspired me. thanks!

I’ve been working for a salary that could’nt nearly cover all the costs and support my lifestyle, which is not that flamboyant might I add… I’ts not that much, but trying to keep up with the down payments a bit rough.

I looked up a number of websites on debt reduction and they helped me form a goal. I have recently lost 10 hours a week at work and I am desperate. I hate working crummy jobs and suffering 6 days a week but I think it is time to return to that way of life until I can figure out how to get out of this hole. My problem is the majority of my debt comes from schooling that never paid off. How do I find a paying job in my field???? Perhaps I should add that to my list.

I need help.

So, almost all of my debt is paid off! : ) The only thing left would be my grad school! : )