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August 16th, 2007 at 11:18 pm

IT is painfully hanging over my head. I decided against Debt Consolidation for the time being because I think I cannot afford $80 bucks a week towards paying off my old debt. Every time when I attempted to think about fixing my debt, my head hurts and I feel sort of helpless. Although I know I am sure there is something I can do. Just not sure how I am going to go about this yet. Sigh. On top of that I want to sign up for my Job's 401K, open up a Savings Account for DD and start putting $$$ back into my Savings. I am failing at all of these things right now, Frown PLUS I want to pay off my Secured Card again so I can use it for things again. My Relatives keep insisting the B word and I just couldn't ever do something like that. Like I always say, I OWE this money to them. They don't owe me anything.

I also want to go to College badly Frown . I am looking into Grants and Scholarships before I consider a loan. I want to get my Bachelors of Science in Sales and Marketing and take Online Courses. My Job has Tuition Reimbursement but I do not see myself there for another million years and still have BIG Goals and Dreams to be an Entreprenuer and that I am working on DAILY.

Sigh there now I whined my sorrows about Finance will be getting all of that sorted. Sigh.

3 Responses to “Debt”

  1. fern Says:

    well, you seem to have a lot of financial goals. I don't know what your situation is, really, but you may have to just bite the bullet and do the debt consolidation. It took time to get into debt, and it will likely take time to get out of debt, and not without a little pain. I hope you will re-consider the DC.

  2. Amber Says:

    I personally do not like the consolidating thing, I find that if you speak with the companies you actually owe the debt (not the collection agency) you tend to get a better deal or should I say break. I did the snowball thing and paid off my outstanding debt

    Remember every thing takes time just be patience, work on one ebt at a time and before you know it time will fly by
    keep your head up it will get better

  3. payitdowngrrrl Says:

    I did the consolidation thing and it has totally changed my life. I actually have more money now that my interest rates have been lowered and the payments lowered, plus I know that they will be paid off within a set time frame. If you use a credit union you can probably do a program for free. For some people though I guess you could get a good deal talking to the companies. I had already tried that and it wasn't going to work so I did a DMP as a last resort.

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