Re: If you are / have been in debt...
I started on this site with about $23,700 in CC debt and am now at $22,200 in debt.
How did we get there? It's rather boring, really. Life circumstances happened. It started when we put our honeymoon on the CC and balooned from there. We needed the CC's for my Master's degree (a need in my profession). THen DH lost his job a couple times and everything had be put on the CC's.
I stay motivated by hanging out here. We are currently aggressively paying down debt. And I mean AGGRESSIVELY! Some months we pay nearly $3000 toward the cards, but an average month is $1300. DH and I have agreed to be completely comitted to this project for one year, which started in July, and we give ourselves permission to re-evaluate when July rolls around again. Having a finish date on the plate really helps. It makes denying ourselves things easier. It doesn't feel like a life sentence.
If my plan works out perfectly, we could potentially be out of debt completely (including the car and house) in six years. That's really hard to believe! But with a little dedication and a working budget, it can be done. The only problem is, life doesn't always work out perfectly. I need to learn to learn to relax a bit.
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