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Thread: Paying off debt and intro
02-23-2003, 09:14 AM #1Kathy MGuest
Paying off debt and intro
My name is Kathy and I live in PA near Lake Erie. My main financial goal is to
pay off as much debt as possible and not have to go back to work full time. I
had worked full time for many years (over 17 since graduating from college) and
lost my job in November 2002. I have been working just part time on the weekends
and collecting unemployment. I don't want to go back to work full time ever
unless I really have to and certainly don't until my ds5 goes to kindergarten in
the fall. I have been working at paying off my debt and want to be debt free
(except for my house payment) by around November of this yr.
Even though I'm making less money with my unemployment and a dinky part time
job, I am doing better with not overspending. I think that is b/c I'm not so
stressed out and not needing "retail therapy" to make me feel better. I also am
not paying a sitter either - but our health insurance costs did triple when we
had to move to my dh's employer for that.
I look forward to any new ideas to help out with my goals and getting to know
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02-23-2003, 03:34 PM #2catsaregr8Guest
Re: Paying off debt and intro
--- In Budget101_@yahoogroups.com, "Kathy M" <Mountain_Dudes@m...>
> My name is Kathy and I live in PA near Lake Erie. My main
financial goal is to pay off as much debt as possible and not have
to go back to work full time.
Hi Kathy I am new to this group...
I have been paying off my debt for about 2 years, I got all messed
up when my son got ill and I needed to take time off to be with him
and had medical bills not covered by my insurance.
I went through a debt reduction program and have so far cleared up
over half my creditors, the ones left are the ones I owed heaviest
to. They are down to 4 and since as I switched the money from the
payed off ones to the others it is going faster now. I look forward
to be debt free except my home and my car.
I have gotten some school loans built up since I am in grad school
but hopefully these will not be any more a burden than what I have
now. I also plan to try to pay down some of my loans by agreeing
with my state to stay and practice here and also to apply for a NIH
to go and practice rurally in my state will cover at least half my
I would like to work 3-4 days a week, I work 4 now which is
condidered full time and I get benefits. I will only need benefits
for me after May 2004 so I will not care if I go partime.
I will be glad to have my school time back for me...now between
class and work I feel like I have little me time.
02-25-2003, 10:45 AM #3sflagg1014Guest
Re: Paying off debt and intro
> Hi Kathy I am new to this group...
> I have been paying off my debt for about 2 years, I got all messed
> up when my son got ill and I needed to take time off to be with him
> and had medical bills not covered by my insurance.
> I went through a debt reduction program and have so far cleared up
> over half my creditors, the ones left are the ones I owed heaviest
What sort of program did you use? Was it one of the credit
counseling services or something you did on your own? I've decided
to finally take action and responsibility for my huge debt and
Consumer Credit Counseling Services has been recommended by at least
4 people I trust, so I made an appointment for next week to meet with
them. The first meeting is no cost, and I have a lot of questions for
them. Has anyone gone this route? And what has the experience been?
I'm just sick of being one of those 'normal' Americans who has huge
credit card debt!
Thanks so much and I've been so enjoying this group!
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