I have been back and forth, back and forth to this board. I seem to do well while I am being accountable but then slip back into bad habits. I will keep my story short for now. It was a rough 6 months with my depression and it seems I aways spend more when i am feeling down than at other times.
I am 41 years old, divorced 2 years. I live on my own, and I owe $9,100 in debt right now that I ned to pay off.
Step 1 - Stop using my credit card. Done, it is already out of my wallet and tucked away. You know out of site, and out of mind.
Step 2 - Pay more than my monthly payment. Currently my monthly paymnet is $200 and I am paying between $400-$500 each month
Currently I am on an 0% credit card until next spring and I am determined to pay this off before the interest kicks in, or get as close as I can.
I did not get into this debt over night. It has been accruing as I have been tryign to get back on my feet financially after my divorce in 2010, and I have done a lot "I deserve" / emotional shopping in the past few years.
I am going to have to snowflake a lot, cut back on my eating out, and other things I "deserve" but with a little accountability here and a LOT of self discipline I can do it.
I like the Monday and Friday check ins. It is so easy to get into debt and takes such disipline to get out of it.
Keep me honest.