MerissaAndMomLoveDis
Mouseketeer
- Joined
- Sep 16, 2008
I'm taking a deep breath and taking the plunge to join this thread. I've been reading the Debt Dumpers thread since late last year and I've really learned a lot. I thank all of you for here for sharing and encouraging. I had no debt at all until the economy went belly up in the late 2000's. I kept trying to keep my small business afloat despite suddenly having about 2/3 less income, while at the same time not cutting back on private school for the kid or her very expensive sport or travel (Disney trips especially). Fortunately, all bills got paid during this time and I was never late, but it was a lot of stress. I finally moved on in 2012 to a great job and cut out private school, but by that time, wow, the credit card debt had really accumulated, along with some IRS debt for those lean years. In late 2015 I finished paying off the IRS!!! But it seems like I was not really making huge strides at paying down the credit cards. I got an 8% raise this year and made budget cuts, and I am finally making some progress. In the past three months, I paid off my second mortgage, paid off my car, and paid off the smallest credit card today. Now I finally feel like I can come out of lurkdom. Still a LONG way to go, and it seems like every time I get going well, something expensive happens ( like a pipe burst in my foundation to the tune of $2500.00--ugh!) but I get a lot of inspiration from this thread. A big thanks to you all!!