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08-09-2010, 12:22 PM #1Registered User
- Join Date
- Aug 2010
- Location
- NYC
- Posts
- 9
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Newbie here ~ introducing myself.
Hi everyone,
I've been searching for a great online support group for debt reduction.....
To get support, encouraging words, advice and to give it, a place to go with my story and to read others.....
Trying to find a place to check in daily and hopefully become a regular, supporting member.....
I've been on SSD for a number of years now- wiped out substantial savings and have enormous debt.
It's all mine- all my doing. I never, ever was responsible with money and want to more than anything, at my age, to turn the tide.
I find myself a constant, nervous wreck dealing these matters - have a terrific lawyer at a free legal clinic who will represent me w/my back tax issues. I need to get my paper work in order PRONTO to bring to another lawyer at the same clinic and find what he/she advices about the credit card debt and other late payments from other accounts on my credit report.
Some of my SSD is safe - but I still have the judgments, etc. I put $200 aside and the state took it.
And, on top of all of this, I expect to be looking for a full time job soon - within the next 6 months.
There's more but I'll leave it at that for now.....
I hope I've found a "home" here......
And I support everyone of you who has frayed nerves from dealing with their own financial problems...
Pip
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08-09-2010, 12:39 PM #2Super Moderator
- Join Date
- May 2008
- Location
- Michigan
- Age
- 51
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- 3,870
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- 41
Hello and welcome to Frugal Village.
That is what we're here for. To lend support and offer encouraging words.
Glad you joined us.Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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08-09-2010, 12:41 PM #3Registered User
- Join Date
- Dec 2005
- Location
- Ann Arbor, Michigan
- Posts
- 2,844
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- 25
Welcome! You will find all the support you need here, and maybe more!
This is a great place to be with lots of great tips and adivse!
Welcome!~Kim~
Mom to 2 dogs and 1 cat - Sere, Blue and Shadow
2012 Fling Things - 275/2012
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08-09-2010, 02:54 PM #4Registered User
- Join Date
- Aug 2010
- Location
- NYC
- Posts
- 9
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- 0
Thanks everyone....
Still learning how to navigate the board, too - need to get the hang of it.
It's been an exhausting day dealing with these matters - and the day is not over.....
What a mess I have on my hands
I know I have a lot ahead me - sometimes I am literally trembling - need all the encouragement and support I can get and hopefully give.
Thanks again......
Pip
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08-09-2010, 02:57 PM #5Registered User
- Join Date
- May 2009
- Location
- Florida
- Age
- 58
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- 5,309
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- 33
Hi and welcome from Florida...been there and done that. Just start reading and posting. Good place to start. Take a deep breath and jump in.
Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.
Challenges
Coupon Challenge May
$00.00
Year / $
May/ Grocery
$/Goal $400 Total
Eat Out No More May
Goal 20
Accomp/17
No Spend Challenge
Goal 10/
Accomp/14
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08-09-2010, 09:24 PM #6Registered User
- Join Date
- Mar 2010
- Age
- 25
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- 45
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- 0
Hiya. 
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08-09-2010, 09:41 PM #7Registered User
- Join Date
- Dec 2007
- Location
- CO
- Posts
- 2,332
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- 18
Welcome! It's never too late to jump in and turn things around. As I've just recently discovered, even standing still is better than sliding backwards, further into debt.
YOU CAN DO THIS!LDR
, 2 DD (one left the nest, one rarely home) More pets than money. More love than sense.
"If you can't see the light at the end of the tunnel, march down there and light it yourself."
Full-time job
Car loan and personal loan
Challenges for 2012:
2012 Grocery Budget Reduction Challenge- $100 a month. (down from $150) Hm, might be too low.
Electric Usage Challenge (doing well, under $70 most months)
Yah, I suck at this money stuff, I know. That's why I'm here.
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08-09-2010, 10:30 PM #8Registered User
- Join Date
- Oct 2008
- Location
- Missouri
- Posts
- 257
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- 4
Hello and welcome from Missouri.
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08-10-2010, 01:29 AM #9Registered User
- Join Date
- Jan 2007
- Posts
- 10,395
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- 46
Welcome to FV, you will find some great advice here.
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08-10-2010, 08:18 AM #10Registered User
- Join Date
- May 2008
- Location
- Florida Space Coast
- Posts
- 1,887
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- Blog Entries
- 1
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- 17
Great to see that you have decided to join the group. There are some super people here that have wonderful encouragement and knowledge to share.
Married 22 years to Mark
Mom to Ryan 25
Lisa 18
and Yorkie Lexi
SAHM in Florida
starting totals
Mortgage $142,458/$155,000
-----------------------
change jar total $95.00
EF $1000.00
A friendly reminder Always wear sunscreen!
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08-10-2010, 05:34 PM #11Registered User
- Join Date
- Jul 2007
- Location
- Georgia
- Posts
- 2,582
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- 10
Hi and welcome! The Village is a great place---you'll learn lots.
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08-12-2010, 10:56 PM #12Registered User
- Join Date
- Jan 2009
- Location
- Tampa, FL
- Age
- 29
- Posts
- 473
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- 6
This is a great place for information and inspiration! You can do it!
I love being a History Teacher!
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08-13-2010, 01:03 AM #13Registered User
- Join Date
- Mar 2009
- Location
- Cold pacific northwest.
- Posts
- 11,722
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- 57
You can do it....get over the hurdles and get a grip on things once again. Hang in there!
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08-13-2010, 08:27 AM #14Registered User
- Join Date
- Feb 2005
- Location
- Ohio
- Posts
- 1,100
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- 12
Hi and welcome!
2012 Debt Reduction
(cc#1) Kohl's- P.I.F. (closed)!!!!
(cc#2) Chase- P.I.F. (closed) !!!!!
(cc#3) capital one(mine)- $741.37 /$731.34
(cc#4) amazon-$1,458.47 / $863.94
(cc#5) Kohl's - $606.29 / $687.16(CLOSED!)
(cc#6) capital one(His)- $615.93 /$673.97
(cc#7) CHASE (HIS)- $1,985.14 / $1,055.85
(cc#8) Lowes(His)- $3,355.71 / $2,592.42
(cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95
(cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)
(cc#11) Home Depot(his)-$3,796.87 / $3,375.31
(cc#12) Capital One(mine)- $2,991.98 / $2,967.94
(cc#13) Micro center- $743.61 / $755.60
car pyment- $16,245.30 / $17,773.46
house pymnt- $76,973.95 / $81,360.00
$0
$14.00 EF
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08-13-2010, 03:06 PM #15Registered User
- Join Date
- Jan 2004
- Location
- Arkansas
- Posts
- 137
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- 9
Welcome.... you have landed in a great place........lots of good advice from very wise people.
Count your blessings--name them one by one."
My Blessings:
DH - 43 years
3 sons
1 daughter
3 daughters-in-law
11 grandchildren
Furbabies: 5 dogs, 1 cat
God Has Really Blessed me.
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