Relationships

I really want to be out of debt in a bad way. So many people just walk away from there debts and leave someone hold the bag.

I think everyone at times feels like this, but think about this. I you leave someone holding the bag, what are you going to feel like. You are not going to listen to anything this person has to say, because how can you trust someone like that.

To pay your bills off in full is being the best example. I want to pay all my bills and be the best example to all others for my God.

Thank you and have a great day.

Do you deserve the biggest and best

No not really. There is nothing saying that you deserve a huge flat screen television. If you want that you really should go get that second job and save the money at first.

Manufactures may not like to hear that, but by doing it that way, you will keep yourself out of trouble. When you do own that television, then you will be able that television even more.

I am going this route now. Yes I may be missing out on some things, But I am getting older and I would like to retire some day.

Have a great week.

Stress

During this time you can be put through a lot of stress. This needs to be delt with or it can cost you a lot more. First of all make sure you get sleep. Rest will help you think clearly. Make sure you are eating alright and healthy. A vehicle can not run on empty, and neither can you. When you get a second, do a little exercise. My best ideas came from a long walk, yours can to. Plus walking will help you sleep better.

Watch the stress, A heart attack or stroke will do you no good.

Erase your debts

One way to help lower your credit card debt, is pay off what you owe with a fraction of what is owed. Example, if you owe $3,000 they might take $800 to pay it off. Yes you might pay off your card, but it does hurt your credit rating in the long run. This is reported to the credit reporting agencies, and lowers your credit score. This might hurt your chances for a loan in the future. This is a choice you have to make for yourself. I just wanted to leave you with the facts.

Good news

It may take awhile and you can show the numbers. Discover card does have a hardship program. I am now on it with a lot smaller payment. I wont be able to pay it off fast, but at least it will start going down, and it is more possible to make the payments.

Point to consider. You must get a solid job, to show how much you are making. Get a compiled list of all your bills and how much you spend. They might not ask for all of them, but having solid numbers will help it go through faster. Be courteus, and say thank you for there help. I know it is scary, but you do need to talk them once you can make any payment.

I am now on the start, have some more card companies to talk to. Then I can take care of the bad debts, and then move onto those which are not bad debts.

Remember this is not free money

I think we all forget this. If you borrow the money, you need to pay it back. I helping my wife build our business. In the past few years this might of been okay. But the economy took another downturn. If I would of been more frugal with the credit, we would not be hurting so bad. How can I be mad, if I was part of the huge credit problem this country is in.

I am working now to fix the problem. This is not easy since I am making a little less. I am glad when we can volunteer for overtime. It is helping out a lot in just making the payments. Hopefully it can keep enough, until I can pay the cards down enough for me to make regular payments.

Have a good day, and try to always prepare for the hard times.

just a few thoughts

I am grateful for the work that I have now. I am starting to see more and more people just looking for work. I am still worried about making payments to everyone. Hopefully the credit card companies will give me a hardship payments. This will definitely help me get my finances under control. I am talking to discover credit card on monday. That leaves two more credit cards to talk to. Hopefully they can make a deal that i can afford to pay. I also want to start making payments to those who loaned money to us.

Our small candle business, is also still floating around. Right now it is our best chance to dig out of the whole. We don't have much of a choice, because of some of the expenses with running it. The changes we have made, have made a difference in making money. Stop by in Berlin to see us or check us out. Http://www.harwoodsstore.net.

I am still scared about what is going to happen, but I am not going to blame anyone else. Hopefully it will not take to long for us to dig out.

Paying?

This is a big danger sign with your credit cards.

You are going along paying your bills just fine. Then some unexpected expsense comes up. You need the credit card to pay another credit card. The second this happens you need to take proactive measures. Start the process of paying down your debts. You say you can not afford to do that. Then do what I am pursuing. Look for a part time job to pay off those debts to pay down the debts.

If I would of done this a lot earlier, things would not of been so bad right now. I am glad some things are getting closer to being paid off.