Owning it...

**beautifullyhaunted** · 07-29-2007, 06:42 PM

is eye opening and sickening. yikes.

$23,717.77.

Yikes

Here goes nothing...

**Jaded** · 07-29-2007, 06:50 PM

O.K....I missed something. Not having time to read all the posts stinks! What are you owning?

**beautifullyhaunted** · 07-29-2007, 07:00 PM

my debt

**Jaded** · 07-29-2007, 07:09 PM

OH....wish that's all I had...lol! Try $50,000+!

**Jaded** · 07-29-2007, 07:11 PM

I'm sorry...that sounded callous...I can't even remember back to when I only owed that much. I know all too well how hard it is to look at all your debt, and say YIKES! It's scary, but you can pull through it.

**beautifullyhaunted** · 07-29-2007, 07:12 PM

I know its not a lot to a lot of people, but at 22yo with little income, it's very overwhelming. Thank you for the kind words

**frooz** · 07-29-2007, 07:17 PM

On the plus side, now that you have put a figure on it it will make you think twice before adding to it! It can only go down from here.

**Jaded** · 07-29-2007, 07:44 PM

Originally Posted by beautifullyhaunted

I know its not a lot to a lot of people, but at 22yo with little income, it's very overwhelming. Thank you for the kind words

Think of only being 22 as a blessing. You have so much time to work on it! I'm 55, and I don't have time to rebuild what I've lost. So count your blessings, little one. Your best years are ahead of you. Here's an

to help guide you.

**cheappearls** · 07-29-2007, 08:00 PM

You can do it!! :cheer:

**TreasureFinder** · 07-29-2007, 08:18 PM

Any amount at any age can be overwhelming if you're not sure how you're going to get rid of it. Mine is about $6,000.00 at age 40, but that's with no mortgage yet, no car, and no job right now. It's going to get higher before it gets lower. But, I still consider myself lucky that I'm learning what to do about it now; I'll be prepared when the income starts again.

Good luck!

**frugalfarmwife** · 07-29-2007, 09:04 PM

I'm so glad to see that you're facing it at your age though, I wish I'd buckled down at a younger age. We're not in bad shape but sure would be in better shape if we'd buckled down YEARS AGO!

And we're here for you to cheer you on every step of the way. How are you tackling it, are you going to work on snowballing it?
kj

**beautifullyhaunted** · 07-29-2007, 10:03 PM

Originally Posted by frugalfarmwife

I'm so glad to see that you're facing it at your age though, I wish I'd buckled down at a younger age. We're not in bad shape but sure would be in better shape if we'd buckled down YEARS AGO!

And we're here for you to cheer you on every step of the way. How are you tackling it, are you going to work on snowballing it?
kj

First of all, thank you everyone

frugalfarmwife, I honestly have no idea...I bought the book "The Everything Get Out of Debt Book" today, and have been reading that. Along with reading this site, and the CCCS site. CCCS before told me to file bankruptcy, but...I'm not willing to flush the next ten years down the tubes quite yet. I feel like I have to try, and Im not willing to give up. My first step towards getting out of debt was getting a car so that I can get a job and make some $...which I have officially completed 4 days ago (

)

Anyone know of any other sites I should look at? I tried creditboards.org or whatever it is, but you have to have a non-free email account to sign up, and well lets face it, I'm broke and cant afford such things lol. tia