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Finally Credit Card Debt Free!
I posted here a couple months back that we had fallen behind on some bills. My credit cards were getting close to being 3 months behind. I didn't know what to do.
So, this is what I did:
I got a second job and started a small business. My DH took on side jobs. We did not spend money on ANYTHING unless it would feed us or provide us shelter.
Well I am thrilled to say, we have not only caught up on paying the credit cards, they are PAID OFF in full. I want to shout it out from the rooftop.
I also want to thank you ladies who provided support and direction, I am grateful for your help.
I also did not realize the importance of an emergency fund, but was glad we started one when two weeks ago we found water coming into our electrical panel and had to replace the entire electrical system (to the tune of $1800). Something like this would have crushed us before we got serious about our financial situation. Even though it killed me to write an $1800 check out of our efund, I was so glad I had the money to pay for it and did not have to put it on a credit card.
I just wanted to share my story. Like I said, I thought my situation was hopeless but with a lot of hard work, it turned out great.
Thanks again for the support.
Re: Finally Credit Card Debt Free!
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com
Congratulations and thank you for sharing your success story. You are an inspiration that indeed a financial turnaround is possible.
@MrNibbles
Awesome! How much in debt were you?
We don't have any credit cards. Working on our e-fund since DS' medical bills drained our savings last year. Thank goodness for tax returns.
It was about $6000. Truly the saving grace was DH's side jobs. I am not sure we would have been able to make as much progress without that.
Now, onto the car payment, student loans and the house.
"You know you're in love when you don't want to fall asleep because reality is finally better than your dreams." - Dr. SeussI started an eBay store and am in the process of setting up my own eCommerce website. Selling ladies fashion jewelry and accessories.
that's cool. I've started selling things we have around the house that we don't need on craigslist for extra money. If only I could sell that dang wedding dress. It's been the hardest to get rid of. I put that money in our savings account for efund.
Wedding dresses are sooo hard to sell. You only get pennies on the dollar.
I sold mine on eBay, but it was a $99 David's Bridal gown that sold for $79
that's not very comforting:) I paid $1,000 for everything I'm selling and have lowered it to $300. At this point I would take $250. This is from my first marriage so there is no sentimental value for me. I've tried craigslist and am thinking maybe there would be a website that could help me out.
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com