What was your turning point?
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What was your turning point?
| Thu, 04-07-2005 - 11:44am |
Most of us can point to one event - one "a-ha" moment, a lightbulb, a boulder, *something* that made us say enough is enough.

Great question! Mine was my EXTREMELY LOUD upstairs neighbor! I realized I didn't want to continue living in that same apt. any longer than I had too! I am still there even though I have reduced my debt by $10,000 over the last year. I have under $16,000 to go and am using that same neighbor as my motivation to continue paying off that debt all the time! Seems to be working for now, so I am sticking with it! Everything should be paid off by April 2006! Yeah! I also keep a detailed spreadsheet of my debt and the plan to pay it off, including the amounts I want to pay each month. I love it when I can change that payment made to a higher amount than I had anticipated! :) Seeing the progress I am making each month is also a great motivating tool for me! I look forward to hearing other peoples "AHA" moment!
~leanne
~leanne
deciding to be happy doesn't mean that everything is perfect, but that you had decided to look beyond the imp
Without a doubt, my wake up call was in 2004 when my husband got a new job, and we realized that we would not be able to renew the "lease" we had on the house we were renting from his former employer. Out credit was trashed and had no savings. We were declined for a mortgage and moved in with my parents. Dreaming of owning our own house is what keeps me going day to day.
kel
if I had even $1 in debt.
I had known for a long while that I needed help with my debt, but I was keeping it a secret from my husband for so long that I felt helpless and guilty and just plain awful. So I guess the moment I finally came clean with my husband was my turning point. From that moment, with his support and love and unbelieveable amount of understanding, I began to soak up any and all information about budgeting and cutting back on expenses, etc.
Pat
For me, it was the "magic" number on the credit cards!
Becky
CL of 4th, 5th & 6th grade Scoliosis
Mine was a combination of things.
I realized that
1. my debt to income ratio was WAY too high
2. I was still paying off stuff from college and I had been out of college for 7 years!
3. I was about to turn 30 and I had no savings.
4. I wanted to eventually adopt a child and there was no way I could do that with all that debt hanging over my head.
Kimberly