Are you sure there isn't any leftover money for snowflakes? Most of the ladies here pull snowflakes from everywhere, even pennies count! Do you go out to eat at all? Can you cut down your cable bill? Your cell? Your grocery bill? I think before you make any decisions you should make sure you do a very detailed budget and figure out just exactly where your money is going. I did that and found a lot of places I could cut back. I still struggle with a budget and cutting back, my hardest being eating out. But I am much better now and have figured out how to get at least $300 extra dollars out of my budget!
I did a program with my credit cards. It was a debt settlement program. It really ruined my credit and a lot of the credit card companies did not want to work with them. It was hard. I did it, but it was a LONG, HARD road with many sleepless nights and tears. I did a lot of dealing with lawyers and have a lot of charge-off's on my credit report.
My suggestion is to try every other option first before you try the debt company and make sure you read the fine print. Another thing I noticed with using a debt service is that I didn't really learn the lessons of debt until I had to deal with my debt myself.
Hi I watch Dave Ramsey all the time but there are parts of his program I agree on and parts I do not. I am not one of his fans.
A snowflake is a very small amount of money. A coke you didn't buy, A cup of coffee on the way to work. Using Coupons then taking that money and sending it to a credit card. Have water with your meal out and not buy a drink.
Hi there- I just wanted to add that I agree with the wonderful, inspiring advice you've received thus far.
Few of us dig our way into debt quickly. It's a long, slow process. Many of the debt repayment programs prey upon the typical American attitude of immediate gratification by promising results fast.
I cannot stress enough that the road out of debt is often long and slow, but if you do it yourself, you learn so much about yourself along the way. These are the self-discoveries that will keep you from getting back in the hole again down the road. Promise!
Are you sure there isn't any leftover money for snowflakes? Most of the ladies here pull snowflakes from everywhere, even pennies count! Do you go out to eat at all? Can you cut down your cable bill? Your cell? Your grocery bill? I think before you make any decisions you should make sure you do a very detailed budget and figure out just exactly where your money is going. I did that and found a lot of places I could cut back. I still struggle with a budget and cutting back, my hardest being eating out. But I am much better now and have figured out how to get at least $300 extra dollars out of my budget!
I did a program with my credit cards. It was a debt settlement program. It really ruined my credit and a lot of the credit card companies did not want to work with them. It was hard. I did it, but it was a LONG, HARD road with many sleepless nights and tears. I did a lot of dealing with lawyers and have a lot of charge-off's on my credit report.
My suggestion is to try every other option first before you try the debt company and make sure you read the fine print. Another thing I noticed with using a debt service is that I didn't really learn the lessons of debt until I had to deal with my debt myself.
Good luck!!!!
Hi I watch Dave Ramsey all the time but there are parts of his program I agree on and parts I do not. I am not one of his fans.
A snowflake is a very small amount of money. A coke you didn't buy, A cup of coffee on the way to work. Using Coupons then taking that money and sending it to a credit card. Have water with your meal out and not buy a drink.
I have no idea what you owe and the amounts and
MANY of us (if not MOST) have been in your shoes and we are working our way out.
Thank you so much for your reply.
Hi there- I just wanted to add that I agree with the wonderful, inspiring advice you've received thus far.
Few of us dig our way into debt quickly. It's a long, slow process. Many of the debt repayment programs prey upon the typical American attitude of immediate gratification by promising results fast.
I cannot stress enough that the road out of debt is often long and slow, but if you do it yourself, you learn so much about yourself along the way. These are the self-discoveries that will keep you from getting back in the hole again down the road. Promise!
Danni
cl-phocid, Debt Support Group
All my best,
Danni
I agree with the information posted by others.
Thank you so much.
Personally I'm a huge fan of Dave Ramsey.