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  1. #1
    Kathy M
    Guest

    Default Paying off debt and intro


    HI,
    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
    you all.
    Kathy

    [Non-text portions of this message have been removed]


  2. #2
    catsaregr8
    Guest

    Default Re: Paying off debt and intro


    --- In Budget101_@yahoogroups.com, "Kathy M" <Mountain_Dudes@m...>
    wrote:
    > HI,
    > 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
    school debt...
    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.
    Good luck.
    Ruth


  3. #3
    sflagg1014
    Guest

    Default 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

    Ruth,

    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!

    Stephanie


 

 

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