Should have came here first!!
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Should have came here first!!
| Wed, 08-17-2005 - 8:09pm |
I went to the SAHM/WOHM debate board to ask about my finances and that was a BIG mistake. Most of those women are nasty, know-it-alls who just looking for someone to put down. Here is my story:
My dh and I have gotten ourselves into over $6000 debt with our line of credit for overdrawing our checking account. Yes, it was stupid but it just escalated. I have come to terms with this and figured out a way to pay it off AND get us back on track (cutting out one of my dd's activities, having my dh understand he can't just take $20 here and $20 there whenever he feels like it, etc.)I know it will be hard but we are going to try our best. We do have cc debt but I only use one card and put all my clothes and medical bills on it and pay over the minimum every month. They were telling me I am wrong because I have a lease and my dh has a car loan. They INSISTED I needed to get rid of my car, my cable and cellphone. I have different ideas of how to save the money and they just insisted I wasn't listening.
I hope I have found a better board to go to. One that other people are in the same boat as me and we are all here to help one another, not berate them like they are a child.
My dh and I have gotten ourselves into over $6000 debt with our line of credit for overdrawing our checking account. Yes, it was stupid but it just escalated. I have come to terms with this and figured out a way to pay it off AND get us back on track (cutting out one of my dd's activities, having my dh understand he can't just take $20 here and $20 there whenever he feels like it, etc.)I know it will be hard but we are going to try our best. We do have cc debt but I only use one card and put all my clothes and medical bills on it and pay over the minimum every month. They were telling me I am wrong because I have a lease and my dh has a car loan. They INSISTED I needed to get rid of my car, my cable and cellphone. I have different ideas of how to save the money and they just insisted I wasn't listening.
I hope I have found a better board to go to. One that other people are in the same boat as me and we are all here to help one another, not berate them like they are a child.

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I personally love to debate and I participate in several debate boards, but I would
"Personally, I don't follow one debt guru like Dave Ramsey or Suze Orman."
Hey whatever works for you is the best! After all, Dave Ramsey or Suze Orman do not live with your family so in a sense you know best (and just need to stick to it). I will probbly get stoned to death here, but I DO NOT HAVE A BUDGET. Somehow, it works for me. I get paid once a month, retirement savings are taken out before I "see" the money, I immediately write checks for mortgage, HOA fees, utilities, phone, CC (which I do not carry a balance), investment accounts, etc. Whatever is left is what I get to spend until the next month.
Thanks for listening.
Lara
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