Ok I'm here. After checking out this site, I figured it would probably be good for me to have this blog. I see how it's helped everyone else and for me, I think I really need to put things in writing to put it into perspective.
We have debt. Let me rephrase that, we have A LOT of debt. It was never our intentions to have this happen, it just kinda did. We use to be very good at our spending. I don't know what happend. I don't know if we got lazy or what?! We bought a brand new house in Aug 2006....3bd/2ba since we had the new baby. Great stuff! We used the c.cs to buy the stuff we didn't have moving from an apartment. We did great by paying off everything with our taxes this year. Totally debt free in regards to credit cards. Now almost a year later we've racked them up something crazy. Credit cards alone are about $30,000. I know...I know...I'm so ashamed. That's why I'm here. I'm here to get back to my old ways! I really am glad that I found this site. Great people and great advice!
I'm making a promise to myself. I'm going to post on here to track progress. I just have to. Ok, well I'm going to go so I can get my stuff together to make my first budget post. Please, if anyone has any advice at anytime don't hesitate to tell me....I need to be smacked around a lil'....oh and before you tell me, the c.cs are put away.
Hi my name is Becca and I have a problem
December 17th, 2007 at 05:34 pm
December 17th, 2007 at 05:38 pm 1197913134
December 17th, 2007 at 05:41 pm 1197913270
This isn't a "smackdown/toughlove" kind of place. It's a "I've been there" or "we're cheering for you" online community. I'm glad you're here and hope you stay.
December 17th, 2007 at 05:47 pm 1197913659
December 17th, 2007 at 05:49 pm 1197913776
Starting tip: Start making spending plans and put them down on paper or computer somewhere. No more 'fudgy' numbers in the head space. Get it down where you can see it all in black and white.
December 17th, 2007 at 05:55 pm 1197914136
Good luck. I'm new to this too. Just put together my first budget 3 weeks ago. The 25% really helped me (I forgot to budget a christmas tree).
Anyway, a lot of people here to help.
December 17th, 2007 at 06:03 pm 1197914588
December 17th, 2007 at 07:39 pm 1197920392
December 18th, 2007 at 02:24 am 1197944647