Hello everyone. I lurk here all the time, every day in fact, but never had the courage to post. I have used so many of your ideas, this truly is a great bord. I am 33 and recently re-married to a truly great man. We got married in November in Las Vegas, so much fun! We have no children yet, but do have a very large, goofy and loveable dog. We own our condo in Mass. Together we have a combinded debt total of almost $20,000.00. There, I wrote it. So scary, but I know we can overcome this and get rid of it. I just received the book by Jerrold Mundis "How To Get out of Debt, Stay out of Deb & Live" (I wanted to keep this and refer back to it, so I bought it, but got it at half.com for really cheap money) and WOW is all I can say. Like anyone else, I can totally relate to this book and so many of the examples. The good thing is that our credit is pretty good and we have not missed any payments. We also haven't charged anything that we haven't paid in full. This debt is old debt that I want gone. When I first met my husband, he was in a financial mess. He made a good salary, just didn't balance his checkbook or pay attention to what was on time or late. Thankfully, he let me help him turn himself around and has gotten so much better in the past 2 years. I have too, but I want to just get rid of this debt!!! I have also come up with a great budget that I feel we can stick to. It just means not eating out as much and wasting our money. I am going to start tracking my money, however, I can't get my husband to do that yet. He feels as if I am hen-pecking him if I ask about it. However, we both get an allowance, and he has really managed that well in the past few months. He realizes that we need to get out of this and generally follows my suggestions. He doesn't want anythin to do with the bills and I don't mind handling them. He does know though what we owe and what we pay.
In reading Jerrold's book he suggests to just put the bills away for 1 month and forget about them. Has anyone done this? I am so terrifed to do that! I don't want to incur late charges! But if others have done this and it works for them, I would like to hear about how they liked it.
I will be posting more often and doing the weekly check-in. Have a happy debt-free day!