Join Date: Feb 2003
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Mama to Ainsley (7/01) , Finley (10/06) and Jade (10/06)
thanks to all the replies....
i had to take a few days to wrap my head around this debt. and a week of sick kids. my dh and i had a long talk about our situation and had to make a plan. it was mostly me having to really get my head out of my ass and see our debt for what it is. i always thought we would just put it on the card and worry about it later. we bought our house in 02 and was planning to sell and use what we made on the house to pay off our debt. i was living in the moment and not seeing the big picture. this was all accrued in about 5yrs. it was never getting my hair done or buying new clothes, it was things like fencing in our yard or having to get the brakes done on the truck and instead of saving up the 800 we would just charge it.
so now here we are. with a 3yr old and a 6 mos old. 47k in cc debt. i am just so disgusted with myself. i could do better for my girls if we didn't owe so much.
so here is what we are going to do....
i called all of our cards and got the rated lowered. now they range from 0-8%and no more spending!!! we are going to save until we pay our mortgage at the 1st of each month and then start on our cc debt. starting march 1st we are going to record all spending each night and then we can see where our money is going.
i guess its a start...