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-CSHARP's Photo -CSHARP Posts: 141
1/9/09 11:37 A

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We are doing our best to be debt free in 2009!






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JULESGL's Photo JULESGL Posts: 9,609
1/2/09 3:29 P

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Good For YOU! Debt free is wonderful. I highly recommend it. What I noticed is that as I got more serious about my budgeting/cash flow planning for each paycheck, I "found" money I could throw at my CC debt AND I started picking up extra side jobs that went totally towards the debt.

BTW: CONGRATULATIONS on the DWR time!!! That wind was fierce coming across the lake at us miles 13 - 18 UGH!!!! I'm so proud of you and I'm sure your future run and triathalon are going to go supremely well!

Live like no one else, so later you can LIVE like no one else

"No man in the wrong can stand up to a man in the right who keeps on a-comin." - Texas Rangers

Dare to be a Linchpin - Seth Godin


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STEELVIC Posts: 359
12/30/08 8:12 P

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Keep up the good work, folks! Look forward to hearing of great progress one year from now!

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
MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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12/29/08 4:59 P

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DH & I won't be debt-free in 2009, either, but we've made a lot of progress since we started this, so I CAN see the light at the end of the tunnel!

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


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GREENCHIC78's Photo GREENCHIC78 Posts: 136
12/29/08 10:52 A

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Unfortunately I know it is impossible for us to be debt free by the end of 2009, there is just too much. However, with the help of Dave Ramsey, we will be much, much closer to achieving that goal.

Change is inevitable, progress takes work.
~Carl Lashley (my dad)~

An harm it none, do what ye will
~ Wiccan Rede~


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ZENRUNNING's Photo ZENRUNNING SparkPoints: (23,587)
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12/27/08 7:35 A

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Yeah- I have one card I hope to pay off in the next two months, and then a huge balance on another I need to chip away. I think I made a good start in this last half of the year, making some small changes to daily activities (eating out less, etc.). One thing I am particularly proud of, is not adding any more debt to the credit cards from Christmas presents! I've had problems with that over the past holiday seasons.

2010 Goals:
1. Free State Trail Marathon - April 24, 2010 - Done!
2. Fall Marathon - TBA
3. 125 lbs by December 31, 2010


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JZAPATIER's Photo JZAPATIER Posts: 51
12/27/08 3:12 A

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I am in the same boat. We have so much credit card debt and we need to buy a new car. So my goal is to get rid of at least 50% of my families debt in 2009.

One thing I did and it seems to be working so far is that on my smallest card the min monthly payment was $20. I paid $50 every 2 weeks when we got paid. I paid that card off in 3 months and then took that $50 every 2 weeks and added it to what I was already paying on the next smallest card.
So far we have paid off 2 cards in 6 months and are almost to the point of paying off our third card. After that the balances are quite large and it will be a while before they are paid off but I am working hard on it.

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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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12/27/08 2:03 A

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We'll be starting a thread soon for credit card reduction for 2009. Be looking for it, & also check out the daily successes & frustrations thread! Becoming debt-free can be a time-consuming adventure, but it's worth it!

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 
 
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ZENRUNNING's Photo ZENRUNNING SparkPoints: (23,587)
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12/26/08 10:43 P

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Hi! I'm new to this team, and hoping to work toward becoming credit card debt free in 2009. I know I won't be completely debt free by the end of 2009, but I need to get serious about reducing it!

I look forward to learning from everyone and hope you have some good tips for me! First, what resources do you recommend to reducing credit card debt? Thanks ahead of time! emoticon

2010 Goals:
1. Free State Trail Marathon - April 24, 2010 - Done!
2. Fall Marathon - TBA
3. 125 lbs by December 31, 2010


 current weight: 137.4 
 
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