okay so today i had to think of ways to cheer myself up....as you saw before my numbers not including the mortgage that i owe is $123,636.47.
After all the other bloggers that i read i haven't seen this type of number in their blogs...AND LET ME TELL YOU IT'S NOT SOMETHING I'M PROUD OF....
well anyways i was referring to my spreadsheet of bills and looking at where i used to be...yes if you can believe it i used to have even more debt...i guess i didn't feel it at that time since my husband had a better paying job and we had credit cards i didn't realize the numbers....
when you have credit cards it's easy to go through life without really knowing how in debt you are...you just charge, shop, eat and be merry...until the bills come in.....
well any who....my grand total back on January 19th 2007 was $142,109.96. If you can believe it and now it's hard for me to even believe but that means i have (well my husband too but he doesn't really know much about the bills...just now that we don't have enough money) paid off a grand total amount of $18,473.49 in 17 months.............WOW CAN YOU BELIEVE THAT.....this makes me more determined to just keep chipping away at it....I know I can do it...
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Hey there! Thanks for stopping by!
You know, you've taken a pretty important first step - you know how much you owe, and you can see that you've paid off a CHUNK in a year and a half. That's awesome!
If you were to go to the "Living Like No One Else" message boards (http://www.llnoe.com), and display your budget...I can guarantee the first thing they'd say is to get rid of the car & truck and buy some cheap little used thingee until you had the debt gone (or at least under control). I know that's hard.
Believe it or not, 10 years ago, dh and I WERE in a situation very much like yours. We had over $90k in credit card debt alone, plus another $20k in student loans and $10k in medical loans. We did declare BK and have never regretted it, except for the fact that we allowed ourselves to get caught up in debt again, which was really dumb.
But- congrats on having the nerve to not only find your numbers, but to post them online. You are not alone, and there are a ton of people out here who will support you in your journey.
Good luck!
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