Money Matters
bnnunley
member
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Help! I'm in debt and can't get out!
I am considering a debt management program because I'm 9000 dollars in debt and I have collection agencies calling me and my stress is getting to me, I am a student and I want to be married debt free with a good credit score so that I don't affect my future husband's credit and our possibilities of getting a home and my ability to get a new car.
Any feedback would be great thanks!
Re: Help! I'm in debt and can't get out!
First things first, post your budget here. It's hard to give you any advice when we don't know where you can cut back.
You said you are a student - Do you have a job? If not, get one ASAP. The only way you're going to get out of debt is by cutt
Generally, debt management programs do harm to your credit. So, it's best to figure out this stuff on your own.
Like the PP said, what does your debt consist of? Rates? Also, what debts are in collections? Post your budget so people here can revi
Okay, start by making a list as precise as possible of your spending, EVERYTHING. Evaluate your essentials & non-essentials. Find places that you can begin to do without or to cutback, it may be difficult to choose but know that it isn'
I've been using this site to organize my student debt. Give it a try.
www.learnvest.com
By the way are you talking about credit card debt or student loan debt?
This is credit card debt.
And I have an itemized list off all the debts, but I don't really make a budget because I don't have a set amount that I get paid per month.
<table style="width:264pt;border-collapse:collapse;" cellSpacing="0" cellPadMy first suggestion if you can do it is figure out
Of course you can get out of debt - but it will require changes in your lifestyle now.
STOP using the credit cards if you have not already done so. Keep one for an emergency (the one with longest history) and freeze it in a block of ic
You have been given some great tips. You can & will get out of debt but it takes discipline.
Step one. This will hurt but you have to do it. Take all of your credit cards out of your wallet. Take the general c
It looks like the majority of your debt is student loan debt, which is not so bad.. The interest on student loans should be a lot lower than credit cards. Focus on paying off the cc balances first, which probably have the highest interest rate. &