Need to get payments down.
Find a Conversation
Need to get payments down.
| Sun, 06-29-2008 - 2:31am |
There wasn't anything on TV today so I got my trusted pen and paper out and started doing some figuring two hours later I still had no better plan of action. I am stuck.


Pages
Maryann:
Have you tried the online Quicken tool where you enter your balance and APR and it figures out the quickest payoff method, even if you pay the same amount you are already paying? I was also throwing money at everything and with the recommendations from Quicken, it would have taken months off my payoff. Your expenses are already low and you're not working. It seems the only option is another method for tackling the debt.
Dee
Yes
Good luck,
Megan
I have considered doing that. Maybe the biggest one.
Mary Ann
Powered by CGISpy.com
Powered by CGISpy.com
You are conscientious, disciplined, and not a big spender. I agree with Dani, there are times when you just keep paying it off and plugging away. If you put yourself on a deadline that says, "At this point I will be debt free," it gives you an end point like a car loan or a mortgage has. The best thing about going on a debt management plan for me was knowing that at a certain point, I would have *no more* unsecured debt. Once I had the end point in mind, I stopped thinking about the overall balance - I just remembered that in June 2009, if I did nothing but keep making the same payment every month, the debt WOULD go away. I was lucky enough to be able to pay it off 15 months early, but even if I hadn't, it still would have eventually disappeared.
Kelly
Mary Ann, what would your floors look like if you just took the carpets out and threw them away? I hate carpet, it does nothing (in my mind) but harbour dirt, pet dander and mould....
When I was 15 I took the carpet out of my bedroom and painted the floors (the floor was sheets of particle board) a really warm yellow colour, and it was fantastic. The basement in my mum's current house has concrete floors and we painted that a soft, easy to live with colour. I'm guessing paint (or just bare floor) is a lot cheaper than new carpet and if you are living with old carpet you might be suffering health problems from the grunge in the old carpet. My ex was really sick until we took the carpet out of the place we were living in, and he got much better very quickly.
Just a thought, and HUGS to you. Hang in there. I don't know what more you can do with the debt, take a break. Are there any lovely flowers around your place? Birds? What can you stop and enjoy and smile at for free? For me it is flowers and birds.
Hi, Mary Ann. Ah, I hope you can somehow give yourself some pats on the back. I think one person pointed out that
Pages