i'm so glad i found this group

iVillage Member
Registered: 08-08-2009
i'm so glad i found this group
9
Sun, 08-09-2009 - 12:02am
Hello readers... I've been too ashamed and embarrassed to tell my debt story to anyone... I need to vent. I'm so glad I found this support group. It's such a tremendous relief to know that I am not alone. So here's my story... I
iVillage Member
Registered: 03-27-2005
Sun, 08-09-2009 - 8:55am

First of all, Hi and welcome. : )


I think you will find this group most helpful and supportive.

iVillage Member
Registered: 11-17-2007
Sun, 08-09-2009 - 9:11am

Welcome to the board.


First off to get a ticker to work on here you need to use the HTML codes that is the second box of codes on The Ticker Factory not the first set. So delete what you got and go back and get the second set and they should work with a little amount of trouble.


Secondly If you started collage is 1997 then you must be pretty young. So there is time to fix all of this stuff. And learn from it. Consider that

iVillage Member
Registered: 11-14-2008
Sun, 08-09-2009 - 3:07pm

Hi, welcome to the board.

This is such a great place to vent and not be judged. It may be helpful as well because the ladies here have lots of good advice in many areas.

I hate it, it is even legal for credit card companies to jack your rates up when you are late on a payment. It is just so unfair! Transfer your balance to another card if you can that has a lower balance or, like the pp said, wait 6 months and try to get the rate lowered.

Emergency fund! Build one to $1000 before you start paying down debt and put your cards away, never to be used again. The efund will get you on the path to being debt free because when something comes up you can use your fund and not have to charge.

Budget. Do you have one? Does it balance? The ladies on here can help with that too.

So post often if you have questions or are just having a bad day. You can do this on your own. It will take time and patience but it can be done.

Good luck!


iVillage Member
Registered: 08-09-2009
Sun, 08-09-2009 - 7:11pm

I did not know anything like this existed!

iVillage Member
Registered: 12-30-2007
Sun, 08-09-2009 - 9:52pm

I know exactly how the anxiety works as most of us have been in your spot.

iVillage Member
Registered: 08-09-2009
Sun, 08-09-2009 - 10:17pm

Thanks for the words of encouragement!

iVillage Member
Registered: 08-08-2009
Mon, 08-10-2009 - 8:55am
thank you to every one who welcomed me and offered words of support and encouragement. i will use them on my journey to becoming credit-card debt-free.
iVillage Member
Registered: 08-04-2008
Mon, 08-10-2009 - 2:04pm

What steps have you taken recently to make the changes you need to become debt free?


The changes I made in January are working, are proven and actually improved my debt picture and fico score.


1.




iVillage Member
Registered: 08-08-2009
Fri, 08-14-2009 - 12:07am

that is so encouraging! thank you! i had written a lengthy reply, but i accidently deleted it, and now i'm so tired, i don't feel like typing it all out again... i will probably take you up on the zero balance sheet for debts and income- thank you!!


-sara


(i still haven't figured out how to do this ticker thing... let me try again)

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