From the category archives:
There’s a few facts in our society about money. The government is in debt, and will likely always be in debt. Likewise, following the model that “debt is a tool,” Americans have high average household debt. Few Americans buy homes with the “traditional” 20% down-payment anymore. There’s all kinds of “flexible” financing available. Why save? [...]
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I honestly thought when I first started blogging that I would be out of debt in a year or less.
Boy was I wrong.
There is a learning curve once you have the initially “ah ha!” moment. You know the moment when you finally realize you have to change your habits.
Bad Money Habits Take Time To Change
Even [...]
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I wish there was some magic wand I could waive and instantly be out of debt today.
Not gonna happen.
Things have stabilized quite a bit for me, and I think in another few weeks I’ll have a very good and pretty stable budget figured out both on the personal side (income from my new job), and [...]
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Are you down because of your debt?
Join the club. Being in debt blows. The past 12 months I’ve been learning to cope and deal with the on-going pressure that debt brings into your day to day life. So far I’ve found a few things that seem to lighten the burden. These are actually techniques [...]
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I just got back from a short meeting with my debt counselor at consumer counseling northwest.
I had sent in my first payment about 2 weeks ago, and she wanted to chat about what got accepted and what needed to change.
The Good News
The good news is that it looks like all my interest rates will go [...]
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I had some time this afternoon to work on my payment reduction strategy.
Right now, I’m hating WellsFargo (my own bank of 8+ years), and loving Citibank. Let’s recap
The Ugly (WellsFargo and Chase)
I have 3 lines with Wells. A $500 limit student credit card, which I plan on keeping current, as the payments are low. A [...]
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All my sins…
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It’s felt like a trifecta of pain today. After a full work day, I began getting on the phones again to deal with the creditors.
American Express (total balances: $2,783)
I have two AMEX cards. Lines of $500 and $2000. The balances are: $772 and $2011 respectively.
When I reached the CSR (customer service rep), I asked first [...]
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