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Will this actually work?

September 11th, 2006 at 06:09 am

I really need this to work. To be able to get out of debt, to see the light.

A back story.

My daughter is what some people would call an "accident", but I kindly refer to her as a "SUPRISE!" I didn't want kids until I was thirty, and wellllll ... I'm 22. She came a little early, but I honestly wouldn't have it any other way.

Her father left when she was five months old. I've never seemed a dime from him, and every day I struggle wondering if it will be worth it in the long one. I haven't come to ao decision about it.

Right now, we're living with my parents, which I hate. I've inherited their awful money sense, and I can't stand it anymore. And the sad part is ... I can't get out of debt while living here. I don't understand how this is possible.

My goals for the rest of September are to be able to get all of my bills and debts in ONE location. To be better organzied in this process. To have at least 10 no spend days. I also hope that last week was the last overdraft fee I'll ever pay.

Can I do it?! I honestly hope so.

Posted in Uncategorized | 8 Comments »

8 Responses to “Will this actually work?”

  1. Carolina Bound Says:
    September 11th, 2006 at 12:00 pm 1157976034
    1157976034

    Good for you. You're setting goals; you're headed in the right direction. Welcome to the club!

  2. Broken Arrow Says:
    September 11th, 2006 at 12:09 pm 1157976544
    1157976544

    You need to fight for child support!

    Find him, take him to court.

    I'm very, very serious about this!

  3. LuxLiving Says:
    September 11th, 2006 at 12:39 pm 1157978370
    1157978370

    Your district attorney ought to be able to help you collect child-support. Can you get with your bank to arrange an overdraft account?? Even for short term until you get yourself fully under control. At my bank they will set up an overdraft amount of $300...meaning they'll make provision if a check comes in up to that amount and they only charge you (yes a big price) 12% until you pay it back. I set these up on all of my kids accounts when they first started their checking accounts until I could see how they were going to manage things. There was also a $12 a year fee to have this protection on their student accounts. Once they proved themselves I had it removed.

    Keep posting here and folks will help you out with lots of good advice! We'll be your well-mannered money family and maybe we can teach you some better money habits! Good luck!

  4. Thrifty Ray Says:
    September 11th, 2006 at 03:33 pm 1157988808
    1157988808

    Can you do it? You bet you can!! It wont be easy and it will take determination and commitment, but you can do anything you set your mind to.

    This site is an excellent place for encouragement, ideas and motivation. So welcome!!

  5. boomeyers Says:
    September 11th, 2006 at 06:02 pm 1157997733
    1157997733

    Welcome! You have taken the first step in deciding there is a problem, and making a plan to overcome it! Good job!

  6. fern Says:
    September 11th, 2006 at 07:38 pm 1158003531
    1158003531

    The father is legally, not to mention morally, obligated to help raise the child. Don't settle.

  7. lrjohnson Says:
    September 12th, 2006 at 04:14 am 1158034461
    1158034461

    Be very proud that you are taking steps at 22. What if it takes a long time, three or five years, to get it all together and pay all the debts? ? You'll still be way under 30 and way ahead of many folks. I kinda think hitting the money wall young is a great gift; you can go a different direction for the next 80 years of your life. You are in a prime position to do great things.

  8. snakeflake Says:
    September 17th, 2006 at 12:10 am 1158451804
    1158451804

    you can do it! clip coupons, buy generics whenever possible, stay away from starbucks. There are a lot of ways to reduce spending. Save that money and pay down you debt. Keep it up and never quit, if you stumble get back up and start all over again. We are all pulling for you.

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