I can't say that I've lurked on your forums very long. As a matter of fact, I just found them on Friday. Thank God. I finally came to a point of saying, "Enough is enough. We have to stop bleeding." DH agrees.
We are NOT good budget makers. I can't count how many times we've started and then fudged and then given up. But there is a line in the sand now and past that, a cliff. So, we are not in a position to ignore.
I completely owe up to our overwhelming debt: $122,645.58, plus one bill that we are missing. This includes our mortgage. I wrote everything out and used a free debt snowball calculator and disgusted myself with the amount that we pay in debt every month!!! So I decided (after reading so many of your threads) that I'm writing it down on a forum. I may check in once a week or once a month, but I'll keep it in writing to urge myself on, to show the DH that we're plowing ahead. So here it all goes:
LS 273.55
Gas Card 1 421.08
Store Card 602.48
Gas Card 2 779.91
CC #1 890.00
Gas Card 3 1,967.12
Store Card 2,111.72
CC #2 3,740.00
CC #3 4,850.00
CC #4 5,731.39
CC #5 6,372.23
CC #6 6,670.00
CC #7 16,629.53
Mortgage 71,606.57
Total: $122,645.58
What a pit we are in!!! Nearly a year without work for the DH supplied some of that debt, but most of it was us not being wise. Now that everything is written out, I will be working on a budget. I really am horrible at budgets, so I'll just do the best I can for the first month and adjust for the next two until it works. Pray for me!
We are NOT good budget makers. I can't count how many times we've started and then fudged and then given up. But there is a line in the sand now and past that, a cliff. So, we are not in a position to ignore.
I completely owe up to our overwhelming debt: $122,645.58, plus one bill that we are missing. This includes our mortgage. I wrote everything out and used a free debt snowball calculator and disgusted myself with the amount that we pay in debt every month!!! So I decided (after reading so many of your threads) that I'm writing it down on a forum. I may check in once a week or once a month, but I'll keep it in writing to urge myself on, to show the DH that we're plowing ahead. So here it all goes:
LS 273.55
Gas Card 1 421.08
Store Card 602.48
Gas Card 2 779.91
CC #1 890.00
Gas Card 3 1,967.12
Store Card 2,111.72
CC #2 3,740.00
CC #3 4,850.00
CC #4 5,731.39
CC #5 6,372.23
CC #6 6,670.00
CC #7 16,629.53
Mortgage 71,606.57
Total: $122,645.58
What a pit we are in!!! Nearly a year without work for the DH supplied some of that debt, but most of it was us not being wise. Now that everything is written out, I will be working on a budget. I really am horrible at budgets, so I'll just do the best I can for the first month and adjust for the next two until it works. Pray for me!