|
|||||||
| Mind and Body Ask for advice or offer some. Keep it work safe clean. |
 |
|
|
LinkBack | Topic Tools | Rate Topic |
Sep 11, 03
|
|||
|
|||
|
~*~Being in debt~*~
*sigh* I just called both my 2 credit cards and updated my account ballence today...FAWK it's so depressing...I owe a total of $5005.44 :(
How I got so out of control is mind blowing...*sigh* I feel like crying... :soak: 
|
|
Sep 11, 03
|
|||
|
|||
|
ive gotten into the habit of checking my credit card balance every day to see where im at
maybe you should start doing that too one you pay off what you owe... it might help in managing your money
|
|
Sep 11, 03
|
||||
|
||||
|
Peter, unless you DESPERATELY need them, cut them up until you get it (the debt and your job situation) under control, then get in touch with the companies to send you new cards.
|
|
Sep 11, 03
|
|||
|
|||
|
Quote:
|
|
Sep 12, 03
|
|||
|
|||
|
heh..i have absolutely no debt...so i don't kno what it feels like...
pete man..id suggest that you cut down on you're monthly expeditures..do you really need the internet, cellphone or gym membership?...fuck man, you're ina pretty ruff spot but theres plenty of people worse off then you, you just have to work on through it..i feel for you
|
|
Sep 12, 03
|
|||
|
|||
|
I just paid off my credit card now all I have to do is get rid of the 35K in student loans I have and I will be set...w00t
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
As for the Rogers internet...Hmmm...I will call them tommorow and find out if I own it or not...Cause I have no clue...Thanks for info Kenji...If I own it I can deff. cut net out of my life for a few mnths...
|
|
Sep 12, 03
|
||||
|
||||
|
EVERYONE IS IN DEBT!!!!
its just a fact of life...wether its a car loan, student loan or a mortgage. BUT there is such a thing a good debt....like mortgages and bank loans and such. they build equity in assests. -Your debt however could be a good thing. PAY off about 30% more than your monthly payments for about one year. -after that period, you should have your fico score up to speed again and this will allow you to get a substancial line of credit or a personal loan. - get the line of credit or a personal loan. banks usally offer these products with interest rates lower than credit cards.(youl save lots of money.) -then consolitadte your credit card debt with your line of credit and pay off the line at the lower interest rate. -ALL these financial manouvers will do nothing but build up your credit report, wich is the MOST important thing in this society! WAY,WAY more so than school. anybody who says otherwise arnt learning the right things. Being in debt can be very stressful, hang in there.
|
|
Sep 12, 03
|
||||
|
||||
|
bah credit cards are the root of all evil imo. I spent 130$ in two seconds once. a simple buy but i was just like nope i didnt work for that money. So i just hid the card after that. i dont need it for anything right now so its just gona stay lost.
|
|
Sep 12, 03
|
|||
|
|||
|
first of all, go into your bank and sign up for internet banking! [i'm assuming you don't already have this since you said you called in for your credit card balance?]
that will help you, at least once it's paid off. that way you can keep track of what you owe, what you've spent, etc. WHENEVER you want just by going on the net. it's easier then the phone, and more convenient so you're more likely to keep checking it. either way, try going full time or get another p/t job. get rid of some expenses. don't go out as much, cut down on little things like eating out, buying magazines and cd's, etc. also if you have things you don't want/need try selling some stuff on ebay. depending you what you have you can make some extra cash that way. Last edited by c.tard; Sep 12, 03 at 03:35 AM.
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
things like ebay and shit you can always do from a friend/parents computer or something. there are also free dialup services out there [if you have a 56k modem or something] which you can use for little things like that which cost no money, but you might have to wait longer. there are lots of options.
|
|
Sep 12, 03
|
||||
|
||||
|
From my understanding you still live at home. First of all take a tupperware container put your credit cards in it then fill it with water and put it in the freezer, this way your credit cards are'nt available for frivolous spending but are there in the case of an emergency. Secondly, get off your duff and find a full time job. Your monthly expences are limited, say you get a job paying $10.00/hour, you'll walk with roughly $600.00 every two weeks. Now take $300.00 from each paycheque and put it on your credit card, this still leaves you with close to $500.00 each month in expendable income; and seeing that you live at home and don't have to pay for food is a fair bit of money to blow on senseless stuff. By sticking to this you'll have yourself out of debt in close to 8 months which is nothing at all. If the $500.00 is not enough in expendable income, then keep your part-time job as well, and find a full time job that works around it.
It's really not that hard to do, $5000.00 is a burp when it comes to debt. cubed
|
|
Sep 12, 03
|
|||
|
|||
|
hey pete, with the cell phone contract im pretty sure you can sign the contract over to someone else and have them pay it... just find someone who needs a cell phone for a few months and do that
call your wireless company and get more details
|
|
Sep 12, 03
|
|||
|
|||
|
Thanks guys for the input and thoughts...It's been greatly appreciated :)
First off today gonna put Credit Cards in a drawer...OUT of my wallet to start...Call Shaw to find out about the whole internet thingy...If I can cancell and sign up a couple of mnths later...Find out more about internet banking when I go to bank today... P.S Cubed...Despite fact I still live at home...I do have to buy my own groceries a lot of the time...That ain't cheap...But I guess I'll have to cut down on a lot of luxories I had :(
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
|
|
Sep 12, 03
|
|||
|
|||
|
Quote:
If you are really serious about resolving this issue then cut the cards up and when you are ready just call up the issuing companies and ask for replacements. Quote:
If you think $5000 is a lot of debt... well it isn't. I have monthly expenditures of just over $2000 which is auto decuted from my bank account. :( Trust me... the day all those issues are taken care of I'd be pimpin in Cancun. I should be about 160 by then.
|
|
Sep 12, 03
|
|||
|
|||
|
just wait till your 370k in debt like me. next summer it will be around half a million i owe.
its pretty funny when you think about it. hahaha. debt is life man. you never get out of it, if you want to get ahead in life. to get ahead you have to buy property. debt. to start a company. debt. nothing you can do, unless you win the lottery. Last edited by PHUNK; Sep 12, 03 at 11:59 AM.
|
|
Sep 12, 03
|
||||
|
||||
|
Quote:
cubed
|
|
«
Direction
|
Broken heart!
»
|
|
All times are GMT -7. The time now is 01:42 AM.
