New to group...

iVillage Member
Registered: 01-05-2014
New to group...
6
Mon, 01-06-2014 - 12:03am

Still trying to get used to ivillage site/figure things out - an introduction seemed a good start/way to attempt a first post asking everyone's patience as I am not very pc literate. Anyhow at one time I had a lot of debt, horrible credit but I woked hard to change that. Now I am down to only owing $500.00 but for some reason I just can't seem to get rid of that last little bit of debt. I'm also finding it difficult to forgo life's little pleasures in order to save for bigger ticket item goal things, like for example a car. I thought joining a support group might be helpful. Am looking forward to getting to know others and hearing your stories.

iVillage Member
Registered: 04-08-2008
Mon, 01-06-2014 - 1:00pm

Welcome to the board!

Lots of great support and tips here. There will be a yearly goals thread you can join, monthly goals or just check in weekly on how your spending went. Keeps you thinking about how and where you can work towards your goal.

Getting down to $500 is a awesome!! You are soooo close, hang in there!

Saving up for a car is a good idea. I bought one when maybe we could have struggled through a little more. Our debt is all car loans & mortgage. The best and biggest change I have made recently is to stop eating out. We have almost cut it out completely when we went 2-3x/week. I have been exploring my cooking skills and we are ALL enjoying it! I never realized but I am actually quite a good cook, lol. 

Dee

Community Leader
Registered: 08-25-2006
Mon, 01-06-2014 - 2:18pm

Welcome.  How exciting to get your debt down to only $500!  I think you will be able to offer just as many tips as you came you get.  :)

Serenity

Serenity
iVillage Member
Registered: 11-14-2008
Tue, 01-07-2014 - 8:49am

HI Welcome to the board!

$500 bucks left?? That is so great!

Think of it this way....the interest you are  paying towards that last little bit could actually be yours, from your own pocket to go towards life's little pleasures or towards a big purchase like a car. 

You can do this. It will make a huge change in your in your life to be DONE. Go for it. This is the year! Your year!

iVillage Member
Registered: 07-24-2001
Tue, 01-07-2014 - 1:19pm

Welcome!  Only $500 left to go!  That's so impressive. I understand, however, that it is hard to give up the little things to save up for the big things.  I need to work on this myself!

iVillage Member
Registered: 10-01-2008
Wed, 01-22-2014 - 3:35pm

WELCOME!!! 

Wow...it's looks like you have already accompolished a lot getting your debt down to $500.  Set yourself a goal of having this paid off in a certain amount of time.  Make it a reasonable amount of time, but also realistist.  

One thing that I am doing to save money is the $1 per week...plus.  Week #1 $1, week #2 $2, week #3 $3 and so on.  By the end of the year you will have this debt paid off, plus some extra for Christmas or down payment on a car.  

Check back weekly.  We will enjoy hearing how things go.

iVillage Member
Registered: 07-27-2009
Fri, 01-24-2014 - 11:29am

Welcome to the group!!! You are so close. Make some manageable goals with specific amounts and deadlines. Post to our weekly thread for some motivation.

JenAaron.jpg picture by jen2075