Newbie

iVillage Member
Registered: 03-06-2014
Newbie
3
Thu, 03-06-2014 - 9:23am

Hi everyone.  I used to be a regular here on Ivillage (waaaay back about 10 years ago).  Good to see there are still some active message boards around.

Yes, I have mounds of debt.  Mostly from school, which I suppose is not a terrible thing.  I sat down and took the time to create a budget about a month ago, but it totally went out the window.  I was doing so well until last week, and then I just completely let it slide.  Now I'm back to square one again, which means my credit card is maxed out, I am broke until payday, and I have bills to pay.

Anyways, I'm looking forward to getting some support, and helping others along the way.  The good thing is I can comfortably manage my debt repayment.  The thing that is killing me is my credit card.  The payment I make every month gets swallowed back up by purchase interest.  Here at work, we have to pay for stuff we need, then we get reimbursed.  That means even though I don't use my card for myself, I have to put a payment on it, then I won't get the money back for a few weeks.  At that time, the purchase interest is already there.  Ugh!  No more credit cards for me!

L.

Community Leader
Registered: 08-25-2006
In reply to: spicy_pickle
Thu, 03-06-2014 - 1:03pm

Welcome!  I hope you keep posting...

Serenity

Serenity
iVillage Member
Registered: 11-14-2008
In reply to: spicy_pickle
Thu, 03-06-2014 - 6:38pm
welcome. It might be time to track what you spend by writing it down. What can you do that is a change? Sell something, get a 2nd job? Sell a vehicle? Time to give it a real go. Good luck!
iVillage Member
Registered: 10-28-2009
In reply to: spicy_pickle
Fri, 03-07-2014 - 9:33am

welcome! 

congrats on making a budget! it takes a few months and reworking sometimes to get one that really fits into your life. what was it about the one you made that didn't work? Were you being too restrictive on yourself? not realistic about your expenses? whatever it was, try again. you'll get it. 

Stick around!