http://payitdowngrrrl.savingadvice.com Credit card mania info@savingadvice.com Sarah en-us http://payitdowngrrrl.savingadvice.com/2007/09/26/dentist_30554/ I finally went to the dentist today after putting it off for too long. I hadn't been in over a year. Luckily I only had one tooth that needed a filling. I was so relieved. I was imagining that I'd need like six fillings (which has actually happened before). They did tell me I need... Wed, 26 Sep 2007 11:20:06 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/09/25/update_30517/ So I've decided not to do Debtor's Anonymous. The premise to DA is much like AA or NA. I disagree with the whole idea that I am powerless over my debt because I feel like I am actually in control of it now that I am doing a debt management plan. Plus I was so anxious during the meetings... Tue, 25 Sep 2007 12:43:38 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/09/18/broke-again_30336/ So it's only four days after pay day and I'm broke already. Mainly it's due to poor budgeting, but I had to pay my mid-year taxes and I bought a plane ticket to Denver for October. I'm so mad at myself. Sometimes things seem really out of control. I paid all of my bills first though.... Tue, 18 Sep 2007 10:07:45 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/09/13/da_30206/ Went to my first DA meeting last night. I was very inspired and found it to be a really positive experience. <br /> <br /> I am feeling much more comfortable about my finances this past week. I feel like maybe I can really pay down my debt and spend within a set plan. Don't mean to sound... Thu, 13 Sep 2007 12:52:31 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/09/07/breaking-bad-habits_30045/ I haven't posted in a while, but today I felt like I should. I have been keeping track of my food spending and it is still too high. This past month (August) I spent about $500 on food, including groceries and eating out. Most of the eating out includes fast food and coffee shop purchases... Fri, 07 Sep 2007 07:03:41 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/08/09/dmp_29075/ I sent in my first debt management plan payment last week. I'm really excited that I am doing this. I'm still spending too much on food and am working on that. I'm trying to lose weight too so it seems to go hand in hand with that. I bring my lunch and breakfast to work but my weakness... Thu, 09 Aug 2007 12:55:11 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/07/04/debt-management-plan_27958/ I did it. I closed all my credit card accounts but one and am entering a DMP. I've completed all the paperwork and am sending it in tomorrow. My payments are going down by $200 and my interest rates are being drastically reduced. I feel so good about this. Plus, the program is... Wed, 04 Jul 2007 11:08:25 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/06/15/debt-management-plan_27255/ I just joined the State Employee Credit Union where I live and they over a free debt management plan. I'm thinking of doing it but am concerned about it affecting my ability to rent an apartment since I am moving soon. Has anyone else had any experience with this? Fri, 15 Jun 2007 10:27:48 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/05/21/loan_26278/ After the comments I've gotten on my last post, and feedback I've gotten from others, I've decided to not do the Citibank loan. However, I'm going to possibly attempt to get a bank loan to consolidate my credit card debt. I have a family trust at a bank where I think this might be... Mon, 21 May 2007 10:47:36 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/05/18/loan_26162/ I recently saw an offer for a loan from citibank, where I have a credit card. The interest rate would be 16%, and I would use it to pay off some credit cards with high interest rates (29%). The only thing is that if I get an amount over so much (up to 10,000) I'd have to give them... Fri, 18 May 2007 10:41:47 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/04/19/off-track_25075/ I am officially off track with my credit cards. Maybe two days after I was paid on the 13th I had used almost all of my check already on groceries, gas, and bills. I feel ridiculous. I can tell by my tracking sheets that my food spending is down but I'm still not doing well. I... Thu, 19 Apr 2007 13:32:07 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/04/02/the-vet_24330/ I took my cat to the vet Friday because she's been throwing up. $270.00 later I was told she might possibly have pancreatitis and that I should just switch her food to a sensitive stomach formula. I also had to purchase a flea&tick/heartworm/earmite preventative combo that is $15... Mon, 02 Apr 2007 12:49:22 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/03/27/taxes-yuck_24075/ Just found out today that I owe about $500 in taxes which everyone knows are due in about two weeks. I've heard that doing a payment plan is more expensive than paying with a credit card so it looks like I may have to pay a portion of it with my cc. I had no idea I was going to have... Tue, 27 Mar 2007 10:39:53 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/03/15/damn-it_23568/ Well, a big emergency happened. I took my car in and got an estimate for work that needed to be done. I requested the exact amount from my trust fund and got the money the next day. I rented a car to get to work that day using my debit card, something I've never done. You have... Thu, 15 Mar 2007 06:47:23 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2007/03/05/so-far-so-good_23146/ It's been a while since I've written on here. I've had some ups and downs since then. I've managed to finally stop using my credit cards, even though it's only been about a week and a half. I have $112 in a savings account linked to my checking for small emergencies. It's thanks... Mon, 05 Mar 2007 10:59:38 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2006/12/15/food-food-food_18915/ So today I totaled up my expenses for food during the month of November and my expenses for food alone/eating out were like $127 for November. That was only fast food and coffee. I couldn't believe it! That didn't even include groceries. No wonder I'm in debt. I have cut down... Fri, 15 Dec 2006 12:08:01 PST jennytilford@gmail.com (Sarah) http://payitdowngrrrl.savingadvice.com/2006/12/11/debt-nightmare_18701/ I am in trouble. I have eight credit cards and about half of them are maxed out. I have a total of $56,147.34 in credit card debt. I also have about 35,000 in student loan debt. I am current on all payments and my credit score is actually okay (701). But I am drowning in these... Mon, 11 Dec 2006 11:54:51 PST jennytilford@gmail.com (Sarah)