tag:blogger.com,1999:blog-6849246267797287452.post2265160174295324404..comments2023-11-02T11:35:01.285-04:00Comments on Pam-a-rama ding dong: The ugly truthPamhttp://www.blogger.com/profile/00532521445225255433noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-6849246267797287452.post-73366647516513535092011-04-13T20:00:47.833-04:002011-04-13T20:00:47.833-04:00Wanna get rid of your debt? We did.....we went th...Wanna get rid of your debt? We did.....we went through Consumer Credit Counseling a couple of years ago (the non profit one that actually works) and now we can't BUY a credit card. LOL So yeah, we have little debt now, but that's because no one will extend us any credit. :D Of course, that lack of planning thing I talked about before really sucks when you need no brakes, have no savings, and no credit. On the plus side.....our debt/income ratio is now so low that we actually got approved for a morgage!Antoinettehttps://www.blogger.com/profile/17642457531137632185noreply@blogger.comtag:blogger.com,1999:blog-6849246267797287452.post-83641662345646452192011-04-13T15:47:38.336-04:002011-04-13T15:47:38.336-04:00Totally appreciated this post, Pam. I do have some...Totally appreciated this post, Pam. I do have some friends who talk openly about having no debt, and I just smile, often don't say anything. But, more often than not, I muster up the courage to say, "Well, we do have some debt that we are working on paying off." It is definitely a conscious mind choice: "Do I want to get rid of this debt or what?!" Hard choices and sacrifices are involved. Sometimes when I see things online that I would like to buy, I think, "Well, can't really afford it now. That could be put towards debt." Ugh. Such an unsatisfying reality. Not that we're perfect, but we are definitely making some headway. I'm done feeling the burden of debt. Be gone, mean debt! Be gone!Soccer Girlhttps://www.blogger.com/profile/15697441176809807522noreply@blogger.comtag:blogger.com,1999:blog-6849246267797287452.post-13909863394914575012011-04-13T13:36:22.337-04:002011-04-13T13:36:22.337-04:00@celtick (Krista??), it doesn't sound horrible...@celtick (Krista??), it doesn't sound horrible at all. That's why I posted this. I know I am not alone, but debt feels like this dark secret that no one talks about. Dark secrets are (almost) never good. So let's talk about it. Let's even talk about how we might fix it. Let's get in a circle and sing Kumbaya, my debt, Kumbaya. No, well, let's not do that last thing.Pamhttps://www.blogger.com/profile/00532521445225255433noreply@blogger.comtag:blogger.com,1999:blog-6849246267797287452.post-85949760685815818982011-04-13T13:36:07.052-04:002011-04-13T13:36:07.052-04:00The cutting back to one income is super hard for u...The cutting back to one income is super hard for us too. I still want to live the way we did before starting a family when we had two really nice incomes too. In hate coupons. *sigh*. I don't drink that much, but my grocery bills are insane... Perhaps that is why I have to pay for Weight Watchers every month....I sense a pattern. As long as you don't give up Zumba!!!!Doniellehttps://www.blogger.com/profile/07987234002136539472noreply@blogger.comtag:blogger.com,1999:blog-6849246267797287452.post-73986561335952714052011-04-13T13:20:40.824-04:002011-04-13T13:20:40.824-04:00This may sound horrible, and believe me that I don...This may sound horrible, and believe me that I don't mean it in an unkind way, but it's a relief to know it's not just us. I'm making double what I did ten years ago, and it seems like our red numbers (like yours) just keep growing. You'd think that with more money life would be easier, but it never quite works out that way...Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-6849246267797287452.post-60123376546897476322011-04-13T11:25:26.213-04:002011-04-13T11:25:26.213-04:00You live beyond your means? Welcome to America. :/...You live beyond your means? Welcome to America. :/ I had a friend who has oodles of money kindly offer to help me out around Christmas timewhen my car needed new brakes. I declined. Not because I didn't want to owe him money, but because I didn't want to owe him money due to my lack of planning. Hubby and I make too much money to have the credit score we do.Antoinettehttps://www.blogger.com/profile/17642457531137632185noreply@blogger.com