So how's your trip out of debt going?

hi cutepenguin well my social security and ssi check pay my room and board here and leave me with one hundred twenty five dollars for personal needs so I mylot to pay my internet bill and some of my senior life line phone bill, only 13 dollars a month. so I am not wealthy but I do not owe any thing either. but anything I can do on line could only help em , I am a good writer so thats an avenue to pursue.

We are getting there and can see the light at the end of the tunnel (I just hope it ain't a train!). We are now down to one nasty debt on the credit card but we should be able to pay that off in a year. If we tighten our belts a bit then maybe 6-8 months. We finished a loan at the end of last year and that was a relief so the money is going on to paying off the card. Once we've got rid of the card we might up the payments on the mortgage. It only has seven years left to run but if we can knock a few holes in it that would be good.

slow but steady now that my hubby finally has a job. its easy to go a little crazy now that he is working and we have money but i have tried not to do that.

Well to tell you truth my trip is coming on .I recently implemeneted or wasforced to implement a program to reduce my debt by my creditor.This would see me paying as much as sixty percent of my salary going to two credit cards and a furniture retailer I took out some stuff from and money is deducted from my pay by salary deduction .I should be breaking even by the mid of the month and then from then on I will be debt free as I wont be taking on any new loans

Congrats. I am still looking for ways to make money on here. I have not been able tro find work lately because of the economy. Also, with the snow it is hard for me to get around. I had broken my ankle three years ago and still have a fear that it will hapen again. I have found a couple of web sites where I can submit my writing. All I need to do is find the time to write. I am in school (online) and have been busy with my studies. I hope things work well for you. Best of luck to you.

I am still searching and trying to find some ways to earn extra so to pay off my debt as well, due to this current economic situation everyone's needing money, so I hope I can sort things out and if someone knew some more ways to earn extra, Can you help me find?

Congrats on that getting the interest rates lower part of your plan... that seems to be a real key to winning.

Hope you can settle your debt very soon. For me, it is always how much to spend. Maybe because my childhood is rather poor and thus, not spending on anything is really not a big problem for me. I bring lunch boxes to work and never miss a dinner at home. I find the cheapest and yet not very time consuming way to work to save the extra bit. I also not buy anything at all.

Well, I have found ways to cut my shopping bills, but I am still looking for ways to make extra money. With the shopping, I have a friend who has been helping me out by having us split the cost of things and instead of making two separate meals we cook one meal for both of our husbands. We go out to eat every Saturday night and take turns buying dinner. It has been working out great. I am hoping to make a little bit more money on here as well as writing on a few sites. I am hoping to get money back on my taxes so I can start saving more. I only have one credit card and am hoping to pay it off soon. I am going to look and see if they can put a temporary freeze on the account so I can pay it off.I am also hoping to start saving money.

Congrats! It sounds like you have good plans and are following through with them. I find that the calculators that are on some sites that tell you how fast you will pay off a card at the rate of xx dollars per month are helpful. I also found it very gratifying to compare the balances that I had in June on my cards to those I have now. I recorded them in a notebook and underlined and starred every one that had gone down. I noted how much each had gone down--I loved how it felt to do that.