Comments for My Debt Regret http://www.mydebtregret.com/blog Getting out of debt one credit card at a time. Sat, 27 Feb 2010 12:20:37 +0000 http://wordpress.org/?v=2.9.2 hourly 1 Comment on My Debt Update! by account money http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-126 account money Sat, 27 Feb 2010 12:20:37 +0000 http://www.mydebtregret.com/blog/?p=137#comment-126 After reading you site, Your site is very useful for me .I bookmarked your site! After reading you site, Your site is very useful for me .I bookmarked your site!

]]> Comment on Bite the “Debt Bullet”… Save Hundreds by Friday Scoop on Credit Karma & Housing Market News | Credit Karma Blog http://www.mydebtregret.com/blog/2010/01/bite-the-debt-bullet-save-hundreds/comment-page-1/#comment-118 Friday Scoop on Credit Karma & Housing Market News | Credit Karma Blog Tue, 16 Feb 2010 01:03:23 +0000 http://www.mydebtregret.com/blog/?p=128#comment-118 [...] Bite the “debt bullet” .. save hundreds blogs My Debt Regret, who used Credit Karma to help deal with debt. [...] [...] Bite the “debt bullet” .. save hundreds blogs My Debt Regret, who used Credit Karma to help deal with debt. [...]

]]> Comment on My Debt Update! by Ronnie http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-117 Ronnie Mon, 15 Feb 2010 14:29:50 +0000 http://www.mydebtregret.com/blog/?p=137#comment-117 I didn't get a tax return. I had to pay taxes :(. Not much, and thank god for Baby Step #1. I'm using almost all of my surplus income each month to pay down credit cards, to the tune of $950/month. I'm giving myself $20-$30/week for miscellaneous spending. I'm going to have to scrounge a bit to make sure they're paid off by June, but the relief of having that income available will be tremendous. For me I have to take it paycheck by paycheck. If I think about the entire process I get overwhelmed, but when I just focus on what I'm going to do with my upcoming check and how that will help with my total plan, I'm much more likely to stick with it. I do have my goals, like June 2010, so that I don't slack off in the middle. Then I get to work on my car note, which is my last non-student loan debt. I'll also be starting to save for a wedding sometime this year (my boyfriend has more information on when that starts than I do), so funds will be a little stretched then. I know that, for me, I can't lunge from one debt into another. That makes me anxious about not being able to use my money how I want to, and then I go back into the same cycle. So for two months after the cards are paid off, I'm going to keep 1/3 of my surplus to myself, and use the other 2/3 to focus on paying off my car. Then, presuming those funds don't go toward the wedding fund, I'll put them all toward the car fund and try and get that puppy paid off. I didn’t get a tax return. I had to pay taxes :( . Not much, and thank god for Baby Step #1. I’m using almost all of my surplus income each month to pay down credit cards, to the tune of $950/month. I’m giving myself $20-$30/week for miscellaneous spending. I’m going to have to scrounge a bit to make sure they’re paid off by June, but the relief of having that income available will be tremendous. For me I have to take it paycheck by paycheck. If I think about the entire process I get overwhelmed, but when I just focus on what I’m going to do with my upcoming check and how that will help with my total plan, I’m much more likely to stick with it. I do have my goals, like June 2010, so that I don’t slack off in the middle.

Then I get to work on my car note, which is my last non-student loan debt. I’ll also be starting to save for a wedding sometime this year (my boyfriend has more information on when that starts than I do), so funds will be a little stretched then. I know that, for me, I can’t lunge from one debt into another. That makes me anxious about not being able to use my money how I want to, and then I go back into the same cycle. So for two months after the cards are paid off, I’m going to keep 1/3 of my surplus to myself, and use the other 2/3 to focus on paying off my car. Then, presuming those funds don’t go toward the wedding fund, I’ll put them all toward the car fund and try and get that puppy paid off.

]]> Comment on My Debt Update! by Douglas http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-116 Douglas Mon, 15 Feb 2010 04:38:26 +0000 http://www.mydebtregret.com/blog/?p=137#comment-116 Awesome, i will for sure check your Networthiq page out. What exactly are you doing to pay off the cards? Cutting Spending? Using Tax Return money? If you don't mind elaborating just a little bit. It might help me, or others. Thanks again! Awesome, i will for sure check your Networthiq page out. What exactly are you doing to pay off the cards? Cutting Spending? Using Tax Return money? If you don’t mind elaborating just a little bit. It might help me, or others. Thanks again!

]]> Comment on My Debt Update! by Ronnie http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-115 Ronnie Mon, 15 Feb 2010 01:57:11 +0000 http://www.mydebtregret.com/blog/?p=137#comment-115 Hey, been a busy (snowed-in) few weeks here. Things are going pretty well. I'm on track to pay off one credit card in full by April 15th, and hopefully the second by June 30. It'll take some juggling and reining in my spending, but I'm SO looking forward to it. Then I'll have NO MORE CREDIT CARDS. You can see the full brunt of my debt load on networthiq as well. I'm Ronnieaj over there :D. Hey, been a busy (snowed-in) few weeks here. Things are going pretty well. I’m on track to pay off one credit card in full by April 15th, and hopefully the second by June 30. It’ll take some juggling and reining in my spending, but I’m SO looking forward to it. Then I’ll have NO MORE CREDIT CARDS. You can see the full brunt of my debt load on networthiq as well. I’m Ronnieaj over there :D .

]]> Comment on Curing Financial Bad Habits by UGG Boots http://www.mydebtregret.com/blog/2010/01/curing-financial-bad-habits/comment-page-1/#comment-114 UGG Boots Wed, 10 Feb 2010 00:47:53 +0000 http://www.mydebtregret.com/blog/?p=133#comment-114 I found this article useful in a paper I am writing at university. Hopefully, I get an A+ now! Thanks Bernice Franklin <a href="http://www.uggworld.eu" rel="nofollow">UGG Boots</a> I found this article useful in a paper I am writing at university. Hopefully, I get an A+ now!

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]]> Comment on My Debt Update! by Douglas http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-111 Douglas Fri, 05 Feb 2010 06:20:41 +0000 http://www.mydebtregret.com/blog/?p=137#comment-111 Thank you very much! How are you doing with your finances? Thank you very much! How are you doing with your finances?

]]> Comment on My Debt Update! by Ronnie http://www.mydebtregret.com/blog/2010/02/my-debt-update/comment-page-1/#comment-110 Ronnie Thu, 04 Feb 2010 19:56:13 +0000 http://www.mydebtregret.com/blog/?p=137#comment-110 Congrats on your progress!!! Keep up the good work. Congrats on your progress!!! Keep up the good work.

]]> Comment on Automation In Finances by Cinderella http://www.mydebtregret.com/blog/2009/12/automation-in-finances/comment-page-1/#comment-107 Cinderella Tue, 26 Jan 2010 03:18:51 +0000 http://www.mydebtregret.com/blog/?p=120#comment-107 Douglas, I loved your blog on "bad financial habits"-It hit my biggest saving issue right on the nub. When I get bored or I'm in a hurry or HEAVEN FORBID I get a craving I scrounge up all my quarters and go buy ice cream or treat a friend to lunch. When really that's a couple bucks that could go into my savings account. This was a great addition to the discipline I've been needing lately and I look forward to more realistic advice for actual human beings. Thanks for the help--you are a great inspiration to my financial ways :) Douglas,
I loved your blog on “bad financial habits”-It hit my biggest saving issue right on the nub. When I get bored or I’m in a hurry or HEAVEN FORBID I get a craving I scrounge up all my quarters and go buy ice cream or treat a friend to lunch. When really that’s a couple bucks that could go into my savings account. This was a great addition to the discipline I’ve been needing lately and I look forward to more realistic advice for actual human beings.
Thanks for the help–you are a great inspiration to my financial ways :)

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