Author: Sorting Last Post on Top ↓ Message:
STEELVIC Posts: 359
12/30/08 8:13 P

Send Private Message
Reply
Welcome!

And we know that all things work together for good to those who love God, to those who are the called according to His purpose. ROM 8:28
CUBS4341's Photo CUBS4341 SparkPoints: (0)
Fitness Minutes: (1,164)
Posts: 85
12/18/08 12:18 A

My SparkPage
Send Private Message
Reply
welcome this is a great team for advice and ideas on saving money. i can also reccommend the spark guys savings jar club as well!

GOALS:
260
250 240 230 225 200 190 180 175

Weigh In's:
Initial: 271.4



 Pounds lost: 0.0 
 
0
27.5
55
82.5
110
KATENO9's Photo KATENO9 SparkPoints: (76,198)
Fitness Minutes: (53,475)
Posts: 3,006
12/9/08 9:47 P

My SparkPage
Send Private Message
Reply
Welcometo the team! This is a great place to come for both motivation and understanding.

We are what we repeatedly do. Excellence then is not an act but a habit. - Aristotle


 December Minutes: 394
 
0
375
750
1125
1500
MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
Fitness Minutes: (21,113)
Posts: 14,039
12/9/08 5:04 P

My SparkPage
Send Private Message
Reply
Hi, Cheryl! Our daily thread is the daily successes & frustrations, so be sure to post on there. It will help to keep you accountable. If you're trying to reduce debt, check out the credit card reduction thread. You can post just credit card debt or all debt. Most of us post once a month on that. This time of year, the activity on this team seems to slacken, but right after Christmas when people are beginning to realize their debt again, it gets more active.

I don't know your specific circumstances, but I'll give the best advice I can. I'm no expert, but I've managed to make a lot of progress on my own debt. It's a long process! I don't know how bad things are for you, but bankruptcy should be a last resort. It's on your record for a very long 10 years, plus the rules have changed, so you don't get out of as much as you used to. I don't even know the current rules, but I know it's gotten harder. There are agencies like Consumer Credit Counseling. They can help with your debt to lower your payments, but they put you on a strict budget where you send "x" amount to them, & they pay your bills. They do what they can to lower your payments, but not all creditors will agree to it, & this does hurt your credit!

The first thing I would suggest is to stop all unnecessary spending. This is a MUST! Make a list of all of your bills & your income & see if you can cover your bills with your current income (providing everything were current!). If so, then you basically need to just get current, & you might be able to do this by 1) selling something you own, 2) making some extra money, 3) asking for a deal with your creditors to get you back on your feet. If not, however, you're going to likely have to do a combination of the above, plus figure out how to cut expenses.

I'd like to recommend you visit your local library & pick up a copy of Dave Ramsey's "Total Money Makeover". Also, check out the different threads on this team for more information that might help your circumstances. This is about as generic of a response as I can provide. Hope it helps!

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


 current weight: 122.0 
 
180
165.5
151
136.5
122
CHERYL002's Photo CHERYL002 SparkPoints: (614)
Fitness Minutes: (30,400)
Posts: 6,130
12/9/08 3:56 P

My SparkPage
Reply
Hi everyone. I've been with Sparkpeople for 2 1/2 years. I decided to look for a team to help with the hard times we are going through right now just to get some moral support from people who understand how it feels when the bill collectors call harrasing you and you can do nothing about it. I just got a phone call from the company my car loan is from and he made me feel like a real deadbeat and that isn't the reality at all! I look forward to getting to know you.

First short term goal for 2009-lose 5% of body weight-10 pounds


 current weight: 252.0 
 
252
231.5
211
190.5
170
Page: 1 of (1)  

Report Innappropriate Post

Other Money Savers Introduce Yourself to Team Forum Posts

Topics: Last Post:
New to the team 7/4/2014 1:30:30 PM
New to the team 5/12/2014 11:09:21 AM
new to group/ team 11/30/2014 12:43:11 PM

Thread URL: http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x2346x20820403

Review our Community Guidelines