A newbie with questions
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|Thu, 06-12-2003 - 1:48pm|
I have to introduce myself. I'm in my late 30s, engaged with no children and deep in debt. As with many of you, most of my debt approx. $40K is a grad school student loan. The remainder approx $5000 is cc debt. Last month, I returned to my parents home to save money for the future (i.e. emergencies, wedding, home), pay off the cc's and pay down the student loan. Also I lease my truck approx $330 per month.
I have to admit that I've been lurking on this site for about a month. The members of this board have finally given me the courage to face my debt and realize just how much in total I owe.
I have some questions (1) how should I start? (2) can anyone email to me at email@example.com a budget spreadsheet? and (3) what should I do first establish an emergency savings or pay off cc?
Before I end, I must also say my credit is shot w/ all the late payments. I have a lot of work to do.
Thanks for listening,