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re: Say you were to "give up" and go with debt consolidation?
Posted on 7/25/16 at 4:25 pm to anc
Posted on 7/25/16 at 4:25 pm to anc
quote:
An 8-10 year old Honda Accord/Toyota Camry type will be a fine car for a few years. Plenty of them out there in great shape.
Got and 8 year old Acura. It will be driven into the ground.
Wife's Ford has a year left to pay. It is not worth shite to try and sell. IT IS our piece of shite! I shudder to think of owning a worse vehicle.
Again our problem is the $600 that WAS the Acura note just finds another place to go.
Complete and utter disgrace that we are in this situation.
2
Posted on 7/25/16 at 4:30 pm to LSU alum wannabe
quote:
Complete and utter disgrace that we are in this situation.
Don't beat yourself up over it too much. Scores of people out there are in similar circumstances. At least sounds like you have the means to do something about it, just need to find the right strategy.
Maybe going online and setting up an auto-draft of that $600 Acura note payment towards one of the credit cards, and set it up on payday so you never really see the money hit your checking account.
Posted on 7/25/16 at 4:40 pm to LSU alum wannabe
Sounds like you just need to track spending and create a budget.
Find an amount that you want to be the minimum balance of your bank account... Then, track everything in Excel on a month to month basis. Keep up with the spreadsheet, break it out into house, utilities, cable, cc minimums, food, fast food, eating out, etc. The numbers will tell you what you need to stop doing. Trust me. It's eye opening... Before you deposit your first paycheck of the month, take whatever is above your "minimum account balance" and pay on your CC's.
Find an amount that you want to be the minimum balance of your bank account... Then, track everything in Excel on a month to month basis. Keep up with the spreadsheet, break it out into house, utilities, cable, cc minimums, food, fast food, eating out, etc. The numbers will tell you what you need to stop doing. Trust me. It's eye opening... Before you deposit your first paycheck of the month, take whatever is above your "minimum account balance" and pay on your CC's.
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