started CCCS today
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| Wed, 06-01-2005 - 7:25pm |
Well, I finally figured out that I would never get this debt off my back without some help. I used CCCS of NH/VT. I sent out the first month yesterday. I'm embarrassed to say that I have $80K+ in consumer debt. This doesn't count the house or the car (well, the truck...).
I really wanted to do it myself, but the credit companies just won't budge and I was just robbing Peter to pay Paul...and George, and Fred, and ... well, you know what I mean. I stopped answering the phone. I mean what is the use of living like that? It will be tough and difficult for 60 months. That's five long years. But I will do it. I will pay this mess off and I will never, ever use a credit card again. I mean if I can't afford it in cash now, how can I afford it next month with interest....mmmm Wish I'd done it last year, but wishing don't make it so.
So here's to a step in the right direction. 1 payt down, 59 to go.

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Congratulations! We took the added step of only having one ATM/Check Card between us. It stays at home most of the time. On payday, we pay the necessary bills for the week out of the bank account, and then take out CASH for groceries, gas, entertainment, etc. using cash REALLY helps keep track of the budget.
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