...I think I'm going to lose it.
After going over ALL our debts, it's disgusting. I keep thinking how did this happen in the first place??? Ugh... the problem of our debt is actually much, much worse than I originally thought, and my original projection was a high estimate of what we owed.
We're going to have to take serious drastic measures soon, I think. I don't know we we will get out of debt by ourselves. I just don't know what to do. I've read many books and been very disciplined with the credit cards and not bought anything on them the past few months, and still we owe and owe and owe. My plan was to take it one at a time, but it still seems so discouraging. I've read quite a few books that all sum up the same things, but being that there's SO MUCH we owe, it's very difficult to have extra money to pay on the credit cards. And with interest rates, even the very low ones, it's still hard.
Ugh. Maybe I should stop whining and lamenting what we're going to do about this mess and start planning how it will be resolved.
There's still my "one thing at a time" plan. I was also thinking about professional help, but I know we'll have to shell out more money that we don't have. I don't even know what kind of professional could help us, but I'm sure there's someone out there. Although I must admit, the thought of going into a financial institution with a million credit card statements and loan documents would be horribly embarassing. Also, we're going to have to start cutting every single little corner financially that we can, and since I work on commission I am going to start hauling ass at the work I do and do as much work as possible for the extra money.
This is overwhelming at this point. *sigh* Gotta go write some checks now...
edit: ok, I just paid off the Macy's card that I owed a mere $155.12 on. I know it's not much, but it's ONE card paid off and one less bill to pay. I feel a little better now : )
it's so much to handle...
August 31st, 2007 at 08:12 pm
August 31st, 2007 at 08:27 pm 1188592044
August 31st, 2007 at 08:28 pm 1188592090
Yeah, you owe alot but you've seem to have a lot going for you as well-you're a homeowner with a rental unit, you bought a used car instead of new and you've kept up on your credit card payments! Those are all good things!
Nobody like to hear they should cut back, but a little creativity can go a long way. If you drive into the city every day for work is it possible to car pool? How about brownbagging? Making your own muffins or brownies instead of buying snacks at work.(I should take my own advice on this one.) It's the stupid stuff that tends to get us into trouble with money. At least that's been my observation.
August 31st, 2007 at 09:14 pm 1188594874
August 31st, 2007 at 09:25 pm 1188595542
September 2nd, 2007 at 07:25 am 1188717925