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Ugh.. debt stinks

May 7th, 2007 at 02:34 pm

You know what the worse part of being in debt is? It's not the fact that due to past impulsive spending I am paying mega bucks in interest. It's not the fact that I have a limited cash flow because every extra dollar is going to pay off a credit card. It's not the fact that I have to say no to vacations, and new clothes and a new car all because I need to pay off the credit cards. It's the lose of freedom all of that creates. Stress related to money worries is the worse type of stress ever! It's terrible.
Like today, I was crusing along in my automobile, when the coolant light came on. I checked my little handy owners manual and what do you know? It means that the coolant temperature is too hot and if I don't take care of it, my car can possibly overheat. Isn't that just ducky? Now I get to think about how I am going to get it to the shop. How much is it going to cost? Is the car really worth putting any more money into it or should I just bite the bullet and a buy a new one?
Point of the matter, if I had stopped the insane impulsive spending before it got out of control, making a reasonable car payment would not be a problem. But, now, with the whole 10K in credit card debt to pay down, the thought of adding another fixed expense to my budget column is enough to send me to the bar for a lunch time margarita.
Ok. One day at a time, right? It took mea long time to rack up 10K in credit card debt.... it's not going to magically go away in a couple of months.

Posted in Debt is no fun | 8 Comments »

8 Responses to “Ugh.. debt stinks”

  1. JanH Says:
    May 7th, 2007 at 03:09 pm 1178550566
    1178550566

    Welcome! And you're right.....spending eats away at your independence. Now that you are aware of it, you'll be able to turn it around and free yourself! That's what so many of us are doing.

  2. homebody Says:
    May 7th, 2007 at 04:02 pm 1178553774
    1178553774

    Welcome, welcome, welcome. Most of us are or were where you are. You can turn it around.

    Now first, don't buy that Margarita at a bar. Get the fixings for one and make them at home, much cheaper!

  3. fairy74 Says:
    May 7th, 2007 at 04:40 pm 1178556028
    1178556028

    Have you checked your coolant level? Often you just need to add more coolant, which is quite easy and inexpensive. I always carry a jug of it in the gym bag in my car....you're on the right road now with getting real about your finances, keep it up and WELCOME Smile

  4. compulsive debtor Says:
    May 7th, 2007 at 04:48 pm 1178556511
    1178556511

    Sounds like we might belong to the same 12 step program that believes in one day at a time. Welcome to the blogging world.

  5. Ima saver Says:
    May 7th, 2007 at 09:57 pm 1178575054
    1178575054

    Welcome, glad you have joined it. You are right, it is one day at a time!

  6. tinapbeana Says:
    May 8th, 2007 at 01:24 am 1178587494
    1178587494

    nice to have you join us! something you might want to do is check your local library or auto parts store for the maintenance book for your make and model car. it should have information about maintenance you can perform yourself like coolant, oil chances, spark plugs, etc. it's intimidating at first, but after a while it becomes kind of satisfying in a way!

  7. Amber Says:
    May 8th, 2007 at 02:09 am 1178590191
    1178590191

    Welcome, it took me one year to pay off debts and there is a light at the tunnel. Right now I drive an '89 camry and i have put a ton of money into it but not near as much as a $20,000 car. Like with everything else it will take time and if I can do it (I once lived liked a Jones')I know you can

    good luck and this site is great

  8. Corey Schwartz Says:
    July 24th, 2007 at 04:05 pm 1185293142
    1185293142

    If you are struggling with high interest rate credit card debt, please give me a call (800) 563-9521 x 221. I am a Credit Counselor and may be able to offer the assistance you are looking for. My email is cschwartz@fidelitycc.org

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