pay off my debt

Granted, I don’t have a lot of debt – only a student loan and an interest free overdraft, and as I’m moving to L.A really soon I don’t think I’ll have much chance to pay it all off in the near future. But once I’m on my feet in California, I want to start saving each month so I can pay it all off and not owe anything to anyone.

So, I reckon I’ve got about 4,000 in debt, thorugh catalogues, credit cards and an overdraft. I am determined I am going to pay it off, by working overtime and putting as much spare cash as I can into paying off what I owe.
I have started by cutting up my credit cards and closing my catalogue accoutns odwn so I CANNOT get into any more trouble!

Going to take a Financial Peace University (Dave Ramsey) class coming up in January. Hope this puts me on the right track.

I want to pay off my debt to the credit counselors. I think I have 3 years left.

ive paid off another £1000 today on my big credit card debt, that leaves me with just over a thousand left to pay,

CC#2: 8000.00
CC#3: 7644.25
Parental Loan 13,370
Total Debt: 30,282.83 29014.25

CC#D: 300.00 (Company is paying this one off)
Total Company Debt on CC: 300.00

I went back to my old self….i spent every penny I had on all my cards and was still thinking of what color shirt I should get with my new belt! Whatever!
I once again see the errors in my ways, and ready for another try.
i will have finished paying off a 4500 loan of stupid items either Jan 1 or Jan 15. yeah! So I can put the difference to other debt right? No!!! I was scared and desperate with no money for christmas, I pulled out a 1500 loan. It was supposed to be the down payment for my car, but stupid just spent it like it wasnt mine. Now Im already almost broke again and Christmas hasnt even came!
I cant keep doing this. So I pay what i was paying on my other loan to my new one, it will be paid in six months. Dont know if it was smart or not, but spent 500 of that 1500 on my credit card, cause it was at 95% used for so long now. But i did, and im going to keep doing better.

I lover reading everyone’s stories. They really help me keep straight!

Although I’ve been slowly paying down my debt, I’ve also been in school and have only been working about 20-30 hours per week.

Now that I have graduated and start a new job on January 2nd, I anticipate being able to put a lot more money towards the debt. I hope to have it paid off within a few months, since the amount I owe has gotten relatively low.

The good news is, I don’t have any credit card debt. The bad news is, I have more student loan debt than I even want to think about. I’m not even posting the amount, it’s that much money.

Getting out of this debt is going to be a long-term project, and I’m okay with that as long as I can keep it manageable on a monthly basis. It’s a lot more than mere ‘frugality’ can address, though of course every little bit helps.

Of course, I have a life to live, and I’m not going to put off other dreams or investments (for example, going to Italy) until I’m entirely debt- free. That’s why I just want to make the debt manageable for now.

My plan is to learn more about investing and hopefully put aside a small but reasonable amount to invest in a no-load mutual fund (stock), or possibly make a more aggressive investment if advised to do so.

I also hope to integrate all of my various and sundry training programs into some kind of coherent career that can make my education pay off.

Just to let u guys know, I work for a credit card company and I have a few tips to help u guys. I only been working there a couple of months, but I have really learned a lot about credit cards and I thought I’d share my knowledge. Here are a few tips:

1. NEVER make late payments or go over the limit, that can make ur APR go default, and my company that is 24.9%, and that is a lot.

2. Call in every couple of months and see if u can get ur interest lowered, my job mainly is helping ppl lower their rates, and a lot of the times they can lower ur rate.

3. Most rates are variable and go off of either the LIBOR rate or PRIME rate, and that rate can go up or down on a montly or quarterly basis, so always check ur rate. (fixed rates are better because they don’t fluctuate, unless u get a change in terms, or u make late payments and default.

I just thought I’d give u guys some tips because before I started working at the company I didn’t know any of that, but knowing all of that makes me not want to owe anyone anything, since I have already established credit. Hopes this helps some ppl =].