Comments on: The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/ Our Journey to a Debt-Free Life Sun, 21 Mar 2010 01:39:42 -0700 http://wordpress.org/?v=2.8.4 hourly 1 By: Tricia http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-776402 Tricia Mon, 18 May 2009 00:11:26 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-776402 Hi Elisha - some people do better with a cash system. We have done better without a cash system. It's one of those things that someone has to figure out what works best for them. Since you said that you cut your debt - CONGRATS!! :) Hi Elisha – some people do better with a cash system. We have done better without a cash system. It’s one of those things that someone has to figure out what works best for them.

Since you said that you cut your debt – CONGRATS!! :)

]]> By: elisha http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-775194 elisha Fri, 15 May 2009 14:48:22 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-775194 I 100% DISAGREE with the not using cash thing. Like you, I have a list of things I've done to cut my debt. If I had to point out the ONE THING on my list that's helped the most, it was the practice of starting to use cash for EVERYTHING. I put away ALL the plastic--including the ATM. At each paycheck, I pay all my bills out of my checking account. I make sure I have 200 a week for gas and food in my wallet. Everything else goes to the debt. I can look at the 200 bucks in my wallett and I know what I have has to last me. I 100% DISAGREE with the not using cash thing. Like you, I have a list of things I’ve done to cut my debt. If I had to point out the ONE THING on my list that’s helped the most, it was the practice of starting to use cash for EVERYTHING. I put away ALL the plastic–including the ATM. At each paycheck, I pay all my bills out of my checking account. I make sure I have 200 a week for gas and food in my wallet. Everything else goes to the debt. I can look at the 200 bucks in my wallett and I know what I have has to last me.

]]> By: Top 10 Personal Finance Lists at Death By Plastic http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-33928 Top 10 Personal Finance Lists at Death By Plastic Wed, 18 Apr 2007 22:32:54 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-33928 [...] The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months [...] [...] The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months [...]

]]> By: Debt Guy http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-30774 Debt Guy Thu, 12 Apr 2007 12:36:45 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-30774 Great job! You're on the right track and I have no doubt you'll accomplish your goals Great job! You’re on the right track and I have no doubt you’ll accomplish your goals

]]> By: Blogging Away Debt » Blog Archive » A Reflective Look Back at 2006 - Goodbye to $13,000 of our Debt http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-5727 Blogging Away Debt » Blog Archive » A Reflective Look Back at 2006 - Goodbye to $13,000 of our Debt Sun, 31 Dec 2006 14:02:06 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-5727 [...] The 10 Things We Did to Erase Almost $9000 in Credit Card Debt in Less than 6 Months - I sat down and wrote down everything we were doing to pay off our debt. [...] [...] The 10 Things We Did to Erase Almost $9000 in Credit Card Debt in Less than 6 Months – I sat down and wrote down everything we were doing to pay off our debt. [...]

]]> By: Successful Blog - 301 Links in Story — Chapter 2 Lizzie Meets Fred http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-1213 Successful Blog - 301 Links in Story — Chapter 2 Lizzie Meets Fred Sat, 16 Sep 2006 00:47:17 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-1213 [...] “Hey, Lizzie. Let me tell you The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months, and then I’ll explain Five reasons why you should always buy in lots. [...] [...] “Hey, Lizzie. Let me tell you The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months, and then I’ll explain Five reasons why you should always buy in lots. [...]

]]> By: Tricia http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-1139 Tricia Sun, 10 Sep 2006 13:31:14 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-1139 There's a big "test" that might be coming up for me actually. I may be having relatives visit. What that usually means is that I spend a lot of money to decorate our house. I guess the only way to describe it would be to put on a show so our family thinks we are doing okay. This year, though, I'm not going to do it. We are who we are, and live as frugal as we do for a reason. Thank you for the words of encouragement! :) There’s a big “test” that might be coming up for me actually. I may be having relatives visit. What that usually means is that I spend a lot of money to decorate our house. I guess the only way to describe it would be to put on a show so our family thinks we are doing okay. This year, though, I’m not going to do it. We are who we are, and live as frugal as we do for a reason.

Thank you for the words of encouragement! :)

]]> By: Champion Cheapskate http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-1130 Champion Cheapskate Sat, 09 Sep 2006 16:07:16 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-1130 Good job. Keep the faith. Stay positive. It's not over yet. Changing your life is lifelong project. Old habits (spending) may have taken a hiatus rather than died off completely. Be prepared. You have added new things to your life and it takes time to work them into your everyday life, celebrations, holidays and special events. It has been done before, as you well know, and I see no reason you can't keep succeeding :) Good job. Keep the faith. Stay positive. It’s not over yet. Changing your life is lifelong project. Old habits (spending) may have taken a hiatus rather than died off completely. Be prepared. You have added new things to your life and it takes time to work them into your everyday life, celebrations, holidays and special events. It has been done before, as you well know, and I see no reason you can’t keep succeeding :)

]]> By: » Problogger’s List of Personal Finance Lists on Blueprint for Financial Prosperity http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-944 » Problogger’s List of Personal Finance Lists on Blueprint for Financial Prosperity Sat, 26 Aug 2006 16:33:20 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-944 [...] 223. Your Credit Card Can Earn You Money by Mooiness 224. 10 Ways to Immediately Start Saving Money by junger 225. The 10 Best Money Moves You Can Make by FMF 226. Five things I would do if I had $20,000 by Patrik 227. Your Very, Very Best Money Saving Tips by NCN 228. Why I Tithe by Nneka 229. 5 Simple Steps to Get the Most Revenue out of Ad Space by Markus 230. 5 Ways MyMoneyBlog Can Make You $100 by Jonathon 231. Fifteen easy ways to save fifteen bucks by John 232. 5 Advertising Programs that Have Earned Me at Least $1000 by Paul 233. 5 Secrets to Fabulous Financials by Single Ma 234. Four Kinds of Money Making Websites You can Start By Yourself by Peter 235. 7 Personal Finance Tips by Tim 236. Top 10+ ways to Save Money and Help the Environment by David 237. How to Organize Your Debts by Donna 238. Extended Car Warranty Do’s and Don’ts by Stuart 239. Five reasons why you should always buy in lots by Danielle 240. The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months by Tricia 241. List of Important Financial Documents by Jim 242. 3 Ways it costs more being a man by John 243. Three Reasons Why I Might Be Poor When I Retire by HART (1 800-HART) 244. Buying a Car the Right Way by Matt 245. Got a Dog? Here Are 5 Tips on Saving $$$ & Being a Responsible Owner by Financial Freedumb [...] [...] 223. Your Credit Card Can Earn You Money by Mooiness 224. 10 Ways to Immediately Start Saving Money by junger 225. The 10 Best Money Moves You Can Make by FMF 226. Five things I would do if I had $20,000 by Patrik 227. Your Very, Very Best Money Saving Tips by NCN 228. Why I Tithe by Nneka 229. 5 Simple Steps to Get the Most Revenue out of Ad Space by Markus 230. 5 Ways MyMoneyBlog Can Make You $100 by Jonathon 231. Fifteen easy ways to save fifteen bucks by John 232. 5 Advertising Programs that Have Earned Me at Least $1000 by Paul 233. 5 Secrets to Fabulous Financials by Single Ma 234. Four Kinds of Money Making Websites You can Start By Yourself by Peter 235. 7 Personal Finance Tips by Tim 236. Top 10+ ways to Save Money and Help the Environment by David 237. How to Organize Your Debts by Donna 238. Extended Car Warranty Do’s and Don’ts by Stuart 239. Five reasons why you should always buy in lots by Danielle 240. The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months by Tricia 241. List of Important Financial Documents by Jim 242. 3 Ways it costs more being a man by John 243. Three Reasons Why I Might Be Poor When I Retire by HART (1 800-HART) 244. Buying a Car the Right Way by Matt 245. Got a Dog? Here Are 5 Tips on Saving $$$ & Being a Responsible Owner by Financial Freedumb [...]

]]> By: Lists Group Writing Project - Categorized http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-938 Lists Group Writing Project - Categorized Sat, 26 Aug 2006 08:37:01 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-938 [...] 223. Your Credit Card Can Earn You Money by Mooiness 224. 10 Ways to Immediately Start Saving Money by junger 225. The 10 Best Money Moves You Can Make by FMF 226. Five things I would do if I had $20,000 by Patrik 227. Your Very, Very Best Money Saving Tips by NCN 228. Why I Tithe by Nneka 229. 5 Simple Steps to Get the Most Revenue out of Ad Space by Markus 230. 5 Ways MyMoneyBlog Can Make You $100 by Jonathon 231. Fifteen easy ways to save fifteen bucks by John 232. 5 Advertising Programs that Have Earned Me at Least $1000 by Paul 233. 5 Secrets to Fabulous Financials by Single Ma 234. Four Kinds of Money Making Websites You can Start By Yourself by Peter 235. 7 Personal Finance Tips by Tim 236. Top 10+ ways to Save Money and Help the Environment by David 237. How to Organize Your Debts by Donna 238. Extended Car Warranty Do’s and Don’ts by Stuart 239. Five reasons why you should always buy in lots by Danielle 240. The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months by Tricia 241. List of Important Financial Documents by Jim 242. 3 Ways it costs more being a man by John 243. Three Reasons Why I Might Be Poor When I Retire by HART (1 800-HART) 244. Buying a Car the Right Way by Matt 245. Got a Dog? Here Are 5 Tips on Saving $$$ & Being a Responsible Owner by Financial Freedumb [...] [...] 223. Your Credit Card Can Earn You Money by Mooiness 224. 10 Ways to Immediately Start Saving Money by junger 225. The 10 Best Money Moves You Can Make by FMF 226. Five things I would do if I had $20,000 by Patrik 227. Your Very, Very Best Money Saving Tips by NCN 228. Why I Tithe by Nneka 229. 5 Simple Steps to Get the Most Revenue out of Ad Space by Markus 230. 5 Ways MyMoneyBlog Can Make You $100 by Jonathon 231. Fifteen easy ways to save fifteen bucks by John 232. 5 Advertising Programs that Have Earned Me at Least $1000 by Paul 233. 5 Secrets to Fabulous Financials by Single Ma 234. Four Kinds of Money Making Websites You can Start By Yourself by Peter 235. 7 Personal Finance Tips by Tim 236. Top 10+ ways to Save Money and Help the Environment by David 237. How to Organize Your Debts by Donna 238. Extended Car Warranty Do’s and Don’ts by Stuart 239. Five reasons why you should always buy in lots by Danielle 240. The 10 Things We did to Erase almost $9,000 in Credit Card Debt in Less than 6 Months by Tricia 241. List of Important Financial Documents by Jim 242. 3 Ways it costs more being a man by John 243. Three Reasons Why I Might Be Poor When I Retire by HART (1 800-HART) 244. Buying a Car the Right Way by Matt 245. Got a Dog? Here Are 5 Tips on Saving $$$ & Being a Responsible Owner by Financial Freedumb [...]

]]> By: Tricia http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-914 Tricia Thu, 24 Aug 2006 02:02:43 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-914 Ray and King - thanks! :) John - thanks for your comments. I plan on trying to keep the rates low, except for my Prosper loan. I sort of gave my word that I wouldn't pay that loan down until I paid off one of my credit cards first and I still have a little over $6,000 to go. Unfortunately, the low interest rate will expire in November and I'm not sure if I can get it paid off before then. I hope one of my other cards will offer a balance transfer deal. I am hoping to receive better offers once I pay more debt down. The lowest one recently has been for 4.9%. Thanks everyone for stopping by :) Ray and King – thanks! :)

John – thanks for your comments. I plan on trying to keep the rates low, except for my Prosper loan. I sort of gave my word that I wouldn’t pay that loan down until I paid off one of my credit cards first and I still have a little over $6,000 to go. Unfortunately, the low interest rate will expire in November and I’m not sure if I can get it paid off before then. I hope one of my other cards will offer a balance transfer deal. I am hoping to receive better offers once I pay more debt down. The lowest one recently has been for 4.9%.

Thanks everyone for stopping by :)

]]> By: John http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-893 John Tue, 22 Aug 2006 05:58:03 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-893 Never stop hammering the overall rate down. Always try to xfer the highest rate balance to the best 0% intro offer you get. Only apply for one 0% line at a time. Eventually you're managing all 0% lines. Then you just keep it that way. I haven't paid a cent to the banks in two years, yet my current balance is $80k. You've come down from your high far enough to have leverage now. New credit expands overall credit. You shouldn't *use* it, but you should *have* it, because it improves your debt-to-credit ratio. Mine is 52%... of $154,450. I use their incredible greed against them. Email me if you want to know more. Never stop hammering the overall rate down. Always try to xfer the highest rate balance to the best 0% intro offer you get. Only apply for one 0% line at a time. Eventually you’re managing all 0% lines. Then you just keep it that way. I haven’t paid a cent to the banks in two years, yet my current balance is $80k. You’ve come down from your high far enough to have leverage now. New credit expands overall credit. You shouldn’t *use* it, but you should *have* it, because it improves your debt-to-credit ratio. Mine is 52%… of $154,450. I use their incredible greed against them. Email me if you want to know more.

]]> By: King of Debt http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-876 King of Debt Mon, 21 Aug 2006 14:08:33 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-876 Congratulations on paying off $9,000 of debt. that's truly awesome. Congratulations on paying off $9,000 of debt. that’s truly awesome.

]]> By: » 49th Carnival of Debt Reduction on Blueprint for Financial Prosperity http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-874 » 49th Carnival of Debt Reduction on Blueprint for Financial Prosperity Mon, 21 Aug 2006 12:09:23 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-874 [...] Tricia presents The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months posted at Blogging Away Debt. [...] [...] Tricia presents The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months posted at Blogging Away Debt. [...]

]]> By: Ray Dotson http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-857 Ray Dotson Sun, 20 Aug 2006 12:11:19 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-857 Great list! Lots of us can really benefit from reading your story. Thanks for posting! Great list! Lots of us can really benefit from reading your story. Thanks for posting!

]]> By: Tricia http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-844 Tricia Fri, 18 Aug 2006 23:19:50 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-844 MamaDuck - thanks! So much of it really is mental. Chris - congrats on getting your cards paid off! It's always great to hear success stories :) Shadows Edge - congrats to you as well! It sounds like you were in a similar situation to us. Once our CC debt is paid, we will be paying off the student loans and mortgage as wel :) Ty - excellent point. I'm going to highlight your comment. Thanks for mentioning it! MamaDuck – thanks! So much of it really is mental.

Chris – congrats on getting your cards paid off! It’s always great to hear success stories :)

Shadows Edge – congrats to you as well! It sounds like you were in a similar situation to us. Once our CC debt is paid, we will be paying off the student loans and mortgage as wel :)

Ty – excellent point. I’m going to highlight your comment. Thanks for mentioning it!

]]> By: Ty http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-843 Ty Fri, 18 Aug 2006 22:04:50 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-843 Anyone notice there is conflicting advice out there about carrying cash? Some experts say to use cash (never use plastic), because studies have shown that if you carry cash you spend less money, because you feel the pain of spending the money, while plastic is so easy. Then there is your camp where they say no cash at all, so you keep track of your expenses. To me it sounds like a personal decision on this one. People need to realize what hurts them more to use (paper or plastic). If paper hurts to part with, carry cash and no debit cards. If you freely spend paper money but hesitate with plastic, then carry plastic. Anyone notice there is conflicting advice out there about carrying cash?

Some experts say to use cash (never use plastic), because studies have shown that if you carry cash you spend less money, because you feel the pain of spending the money, while plastic is so easy.

Then there is your camp where they say no cash at all, so you keep track of your expenses.

To me it sounds like a personal decision on this one. People need to realize what hurts them more to use (paper or plastic).

If paper hurts to part with, carry cash and no debit cards.

If you freely spend paper money but hesitate with plastic, then carry plastic.

]]> By: Shadows Edge http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-841 Shadows Edge Fri, 18 Aug 2006 19:49:16 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-841 Congratulations! I spend the last couple of years getting out of my credit card debt. All I have left now are my student loans and mortgage. Keep up the good work! Congratulations! I spend the last couple of years getting out of my credit card debt. All I have left now are my student loans and mortgage. Keep up the good work!

]]> By: Chris http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-840 Chris Fri, 18 Aug 2006 18:11:35 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-840 That is awesome, keep up the good work. I did something similar about 10 years ago. I moved home and put much of my paycheck towards my cc bills. That is awesome, keep up the good work. I did something similar about 10 years ago. I moved home and put much of my paycheck towards my cc bills.

]]> By: MamaDuck http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/comment-page-1/#comment-838 MamaDuck Fri, 18 Aug 2006 13:38:22 +0000 http://www.bloggingawaydebt.com/2006/08/the-10-things-we-did-to-erase-almost-9000-in-credit-card-debt-in-less-than-6-months/#comment-838 Excellent ideas, as this is mostly about one\'s mindset as well. Our list is up, if you’d like to look… have a great day! Excellent ideas, as this is mostly about one\’s mindset as well. Our list is up, if you’d like to look… have a great day!

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