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  1. 10-13-2006, 01:43 PM #1
    McD
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    Default I'm back and I'm feeling .... refreshed.

    Okay ladies:

    Here's my story again.

    I'm married to Zac, an awesome guy with some bad moments.
    I'm mommy to Wesley, 8 mos, an awesome baby with an ornery streak.
    I'm working full-time as a bank teller at Liberty Bank.
    I'm attending school full-time at University of Phoenix online.

    I fell off the wagon of frugality and no credit card spending, I'm not exactly sure where. With a loan from my father, I paid everything off and set to work on paying him off. Yet, as you can see from my signature, I am back into credit card debt. There is also a debt to the military as well as a house debt. I think part of the problem was that dh and I didn't have a budget. So, without realizing it, we were just creeping back up into debt.

    Now, I have a budget in place and am working on paying off my debt.

    We hope to pay one card off in full this month and then set to work on the other. I know Dave Ramsey would suggest the smallest debt to be paid off first, but the military is only charging me a 2% interest rate whereas my cards are at 12 and 14.

    So here I am ladies, I am back. And refreshed.
    McD
    -wife to Z
    -mommy to Dubya & Moo Cow

    Blog: http://familystylemayhem.wordpress.com/


    My Ravelry: http://www.ravelry.com/projects/nicd...view=thumbnail
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  2. 10-13-2006, 03:25 PM #2
    PrairieRose
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    Default

    Welcome back Nice to see you again

    ~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~
    *We're debt freeeeeeeee! (including the house)*


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  3. 10-13-2006, 06:36 PM #3
    Buckeye5
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    Welcome Back!!!
    taking one day at a time, trying to get rid of debt!!
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  4. 10-13-2006, 07:12 PM #4
    Missy
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    Default

    great to see you back again!
    ~~ Missy ~~

    Planting and raising an urban homestead in the middle of Downtown big city right at the foot of the Rocky Mountains!

    Zone 5 Colorado Springs, CO USA
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  5. 10-13-2006, 07:29 PM #5
    baxjul
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    Welcome Back!
    6 yr. Breast Cancer Survivor!
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  6. 10-13-2006, 08:14 PM #6
    autumnlynn
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    Welcome Back!!
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  7. 10-13-2006, 09:34 PM #7
    FrugalMomof3
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    Welcome Back!
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  8. 10-13-2006, 09:54 PM #8
    voodidit
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    Welcome back!
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  9. 10-13-2006, 11:11 PM #9
    thrifty gal
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    Welcome back!!! I, too, fell off the wagon big time! We had all of our ccs paid off, but we have since then charged over $5k on ccs, and owe another $1k on some furniture. So, iow don't feel lonesome! lol Good luck on paying down the debt, and getting your finances in order!
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  10. 10-14-2006, 10:57 AM #10
    couponchic
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    Glad to have you back!
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  11. 10-14-2006, 02:11 PM #11
    Katybird
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    Welcome back!
    “Books are the treasured wealth of the world and the fit inheritance of generations and nations.” --Henry David Thoreau



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  12. 10-14-2006, 02:41 PM #12
    Lady Jennelle
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    Welcome back!

    Love,

    Jennelle
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  13. 10-14-2006, 07:12 PM #13
    Mom23boys
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    Welcome back!
    ~*Michelle*~

    ~Wife to Rick since Dec. 19, 1986~
    ~Mother to Richard, 23, Chris, 21, and Dakota, 17~
    ~Mother-in-law to Amber, wife of Richard~
    ~Elementary Teacher~
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  14. 10-14-2006, 11:34 PM #14
    miss_thrifty
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    WELCOME BACK TO fV!!!!
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  15. 10-15-2006, 11:04 PM #15
    Goodwin17
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    Welcome back! Glad to have you here.
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