Back again with $9,100 to pay

Visitor (not verified)
anonymous user
Registered: 12-31-1969
Back again with $9,100 to pay
11
Sun, 10-14-2012 - 8:49pm

Hello everyone,

I have been back and forth, back and forth to this board. I seem to do well while I am being accountable but then slip back into bad habits. I will keep my story short for now. It was a rough 6 months with my depression and it seems I aways spend more when i am feeling down than at other times. 

I am 41 years old, divorced 2 years. I live on my own, and I owe $9,100 in debt right now that I ned to pay off. 

Step 1 - Stop using my credit card. Done, it is already out of my wallet and tucked away. You know out of site, and out of mind.

Step 2 - Pay more than my monthly payment. Currently my monthly paymnet is $200 and I am paying between $400-$500 each month

Currently I am on an 0% credit card until next spring and I am determined to pay this off before the interest kicks in, or get as close as I can.

I did not get into this debt over night. It has been accruing as I have been tryign to get back on my feet financially after my divorce in 2010, and I have done a lot "I deserve" / emotional shopping in the past few years.

I am going to have to snowflake a lot, cut back on my eating out, and other things I "deserve" but with a little accountability here and a LOT of self discipline I can do it.

I like the Monday and Friday check ins. It is so easy to get into debt and takes such disipline to get out of it.

Keep me honest.

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iVillage Member
Registered: 04-10-2003
Mon, 10-15-2012 - 8:10am
Welcome Back! I'm in the same boat. I seem to go in waves of being really good and then, well, not :smileyhappy:

Paying more then double on the debt is a great start! Keep it up and it will be gone in no time!

Bex -

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