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Thread: Drowning !!!

  1. 10-22-2007, 01:34 PM #1
    pennipincher
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    Default Drowning !!!

    Hello everyone

    Finding this site has given me hope ! I'm determined to try and pull myself out of debt no matter how long it takes me.
    I'll admit I was ashamed to even type the amount of debt I'm in, after writing it all down I just couldn't believe it.

    I owe $72,000 on my mortgage
    $491.75 in taxes
    $3471.27 credit card debt
    $16,061.00 in loans
    $1265.00 in misc debts

    I am probably the worst case on the site but I figure I have to start somewhere.

    Looking forward to a brighter future !

    ~ Pennipincher !
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  2. 10-22-2007, 01:37 PM #2
    lwlynch
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    no, I promise you are not the worse. Just hang in there and be determined. I hope you find some good tips to use..
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  3. 10-22-2007, 02:04 PM #3
    Jaded
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    Nope, far from the worst, but even the worst is getting better every day they are on here, so just hang around and get with the program, and it will get better.
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  4. 10-22-2007, 02:17 PM #4
    Cricket1
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    Nah!!! Not even close. Glad to have you here!
    Mom to two crazy boys
    and wife to Mr. Wonderful

    "A smile starts on the lips, A grin spreads to the eyes, A chuckle comes from the belly; But a good laugh bursts forth from the soul, Overflows, and bubbles all around." --Carolyn Birmingham
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  5. 10-22-2007, 02:46 PM #5
    jamie79
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    Not even close to the worse. Welcome
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  6. 10-22-2007, 03:18 PM #6
    patra
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    welcome!!

    Patty
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  7. 10-22-2007, 03:26 PM #7
    nodmicks
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    Nope not the worst! We paid of 46K in cc and cars. We still owe 50K on the mortgage.
    You can do it. Baby steps!
    ~July 19 saving goal for event $104/$1000
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  8. 10-22-2007, 04:19 PM #8
    Lambie
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    I've heard of waaaaaaaaaaaaaaaaaaaay worse...enjoy all the creative ideas and support around here. Katy
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  9. 10-22-2007, 04:19 PM #9
    pennipincher
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    Thank you all for the encouragement. I am determined to do this no matter how painful.
    I'm making myself physically ill worrying about how to pay these bills.


    Thanks again !

    Pennipincher
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  10. 10-22-2007, 04:28 PM #10
    frugalfriend
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    Hey, don't be too hard on yourself! You've found an awesome place to find all the info. you will need to get on track with paying down your debt, budgeting, being frugal, simplifying your life. It is never too late to get started! Keep reading here, and remember . . . baby steps. You'll be doing better and FEELING better in no time!
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  11. 10-22-2007, 05:05 PM #11
    mom2bobsarah
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    By no means the worst. I am working on over $50,000 cc debt as well as our mortgage of $125,000 and a home equity line of $119,000. As you can see you are not alone. Good luck and welcome to a great place for help and encouragement.
    Mom to:

    Bobby Age 10 my young
    Sarah Age 8
    Nathan Age 4

    Marshmellow (mispell intentionable)
    Wampa

    Wife to Bob
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  12. 10-22-2007, 05:11 PM #12
    Its_Donna
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    from Florida! Glad You're Here. This is a great place for support = we are here for each other!
    Donna F.

    We're DEBT FREE

    Pay It Foward

    Nov. Eat Out Days - 0/30

    Nov. Grocery Challenge - $70/$425
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  13. 10-22-2007, 05:32 PM #13
    Mamaw
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    Trust me...you are far from the worst..and you now have the motivation and the support to help you succeed. Baby steps will get us all there in the future! Hang in
    Barb
    May l $$$$$ goals
    Grocery challenge 400.00/203.52
    Menu planning - 5/3
    Carpet fund 40/40 l
    Christmas 2012 50/50 :
    Change Jar @ May 12 = 849.02 Boston Fund!

    Time Goals
    New Recipe 2/2
    Home Project Organizational Challenge - Bathroom windowsill painted
    Utility room - paint door and hang border
    Hook up water barrell
    Clean out bedroom closet
    Exercise 3x week/20 mins
    UFO for April - baby bib #1

    YEARLY GOAL TRACKING 2012
    Carpet fund @ May = 2650
    Christmas 2012 @ May = 390
    Change Jar = Boston = 849.02
    UFOs done 2012 = 0
    Organization projects 12/4

    Working on learning to be calm and content

    Every little tiny bit helps to get rid of that debt
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  14. 10-23-2007, 09:44 AM #14
    tlenad
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    Like the others have said, you are by far not the worse and you have at least faced the problem.

    I found that setting up a plan and slowly changing my spending has made a huge difference over the last year. Slowly but surely, I've been able to pull myself back on track. You can do the same.

    I stil cringe when I look at my original numbers. Adding everything up and figuring out I had a negative networth was not a happy moment but it was oh so worth it.

    Good luck and welcome.
    Have a nice day. Traci

    Baby Step 1 - $1000 Emergency Fund - Complete
    Baby Step 2 - Working It.

    Challenges -

    Grocery Challenge -
    January $50 a week
    Week 1 - $47.52
    Week 2 - $45.75
    Week 3 -
    Week 4 -
    All other months $100 a week.
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  15. 10-23-2007, 09:51 AM #15
    Jayne
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    Welcome!!...And you are not the worst!!!..Good for you for facing your debt!!
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