There is a light at the end of the tunnel after all....  

Okay I am exhausted and emotionally a wreck and at the same time trying to rebuild myself (because let's face it I did let a lot of my wants and desires of a personal life go over the years) almost to the point where I could feel like i might pass out at any moment. That's how tired I am. So why am I so excited?

Because in September I will be paying off two of my current debts. And then taking that bill money and tackling two other bills. Currently, I have one student loan in deferrment and the other (a smaller loan) is one in which will be gone as of September.

I have been working ten days straight as of next Monday and right now am in the middle of this stretch...and I am becoming nausious, exhausted, irritable, etc. Well, I just on a whim decided to call my one student loan info line and found out that the balance is quite low. Well, I sat down pencil in hand and calculated how soon it will be paid off (interest and all-yeah I learned that from Suze Orman). Let me tell you I was all smiles. I did this with my one credit card in consolidation and found out that I could have it cleared off the same month!!!! Yeah for me. Sorry, but if you have mounting debt I know you understand how awesome this feels once it's under control.

So here's my plan. Once those 2 are gone I am taking those payments and applying them to my other 2 credit cards I had to basically live on last year. This time I am not using a credit counseling service, because I have learned how to budget and balance and take this serious over the last 7 or so years. They really did help me out and they kept their word. So if people give you bad advice about them, just check them out. They really do clear up debt in 3-5 years.

After those debts are cleared I then am going to take half of that bill money and put towards my deferred loan (which is the largest amount). I still have a way to go, but once again I am seeing how my hard work is paying off. And I am not only posting this to give myself a pat on tha back, but also to show anyone out there who thinks this is not possible that it is. Bankruptcy does not have to be your only option. And nowdays it is getting harder to file bankruptcy. Plus, I also thought I am the one who got myself into this situation and I am going to get myself out. And trust me I was never good at math, and budgets. I was a shopper.

So, for a while longer I will be the thrifty frugal person I have become, but realize how awesome things will be when it is done. And I can actually get a car of my own and not have to keep borrowing my parents.

Who else is celebrating erasing one of their bills this year? next year? this month? last month? Go ahead this is the pat yourself on the back section of climbing out of debt.