pay off my debt

Well, I’d be 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! : )

clearing my pal pal debt, a whole 2p! but been 60 days before been even able to do that

the only debt remaining is student loans…which i just added over 9000.00 to today so i can finish school. i am marking this as done and going to start a separate goal for paying off student loans when i graduate.

I’ve started a budget thing online. That helps me keep my bills straight,and the income as well. Letgs me know when my acct will and wont cover, it’s made finacil a bit easier. We’re going to move in a month or 2..to a cheaper place so that will help with the bills, I can use that extra money for other bills. That will give us an extra 250 a month. may not sound much, but it is on our end.My medical bills are awful, like $15,000. I’d go for medical bankruptsy but too scared of losing what I do have ya know.