Monday, March 18, 2013

When You Need Debt Help

In my last post, I talked about how I am just a couple of months away from being debt free. What a blessing. And what a long time coming. I never thought I would be here, to be honest.

I know the shame. The stress. The endless collection calls and letters. The inability to pay the bills. Or to get a new credit card. The worry about maybe not being able to buy a new car when you really need one because of a low credit score. Or any number of scenarios. The worry about meeting a guy and maybe his rejecting you because of your financial problems. Your never getting ahead. And seeing money just go down the drain.

I realized I needed debt help. I listened to radio shows, read books, blogs, magazine articles, everything I could get my hands on about conquering debt. Things didn't start happening until I became obsessed with getting out of debt. I wasn't perfect, but I got on payment plans, didn't take out any new credit, was more deliberate with spending money. And I saw my balances go down. Not my life looks a lot brighter and my future more secure.

Count Down To Debt Free!

I can't believe it, but it is true. I am only a few months from being debt free (except my car). It is such a dream. I remember when I was years away from this goal. And was tens of thousands of dollars in debt. I am proof that it can happen. You just have to get to the point where you are sick to your stomach about your debt. And really want to change. And never live like this again.

Will I be smarter about my money from here out? You better believe it. Will I ever be in debt again? Over my dead body. Will I have a better life. Absolutely.