Comments on: Credit Card Debt Under $21,000! http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/ Our Journey to a Debt-Free Life Sat, 21 Nov 2009 08:35:00 -0800 http://wordpress.org/?v=2.8.4 hourly 1 By: Plus6 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-62830 Plus6 Sat, 02 Jun 2007 02:36:03 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-62830 Congrats! Very impressive. Your hard work is inspiring many others. Congrats! Very impressive. Your hard work is inspiring many others.

]]> By: Blogging Away Debt » Blog Archive » More About Emergency Funds, Rainy Day Funds, or Whatever You Would Like to Call Them http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-59172 Blogging Away Debt » Blog Archive » More About Emergency Funds, Rainy Day Funds, or Whatever You Would Like to Call Them Thu, 31 May 2007 13:49:11 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-59172 [...] other day, when I was able to share with everyone that our debt was under $21,000, it felt so good. I felt like we were making some progress [...] [...] other day, when I was able to share with everyone that our debt was under $21,000, it felt so good. I felt like we were making some progress [...]

]]> By: mbhunter http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-55589 mbhunter Wed, 30 May 2007 05:05:32 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-55589 Keep up the good work! ;) Keep up the good work! ;)

]]> By: Jen http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-55412 Jen Wed, 30 May 2007 03:31:34 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-55412 Wow! I know I've congratulated you before, but I'm not sure I ever came right out and said this: I am so impressed by how much you've paid off!!!! Great job! Wow! I know I’ve congratulated you before, but I’m not sure I ever came right out and said this:

I am so impressed by how much you’ve paid off!!!!

Great job!

]]> By: Matt http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54581 Matt Tue, 29 May 2007 18:04:31 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54581 congrats! You're making great progress before you know it the figure will be in the 10K range. congrats! You’re making great progress before you know it the figure will be in the 10K range.

]]> By: Chitowngirl http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54562 Chitowngirl Tue, 29 May 2007 16:56:27 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54562 Keep up the good work!!! Keep up the good work!!!

]]> By: Tyler http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54383 Tyler Tue, 29 May 2007 11:42:18 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54383 Put off paying on the CC's until you have at least $1000 in an emergency fund! Don't make a bump in the road be a huge pot-hole! Put off paying on the CC’s until you have at least $1000 in an emergency fund! Don’t make a bump in the road be a huge pot-hole!

]]> By: Frugal Momma http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54329 Frugal Momma Tue, 29 May 2007 09:19:42 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54329 Congratulations! You should be so proud. I have watched your blog since the beginning and this is a day to celebrate. Congratulations! You should be so proud. I have watched your blog since the beginning and this is a day to celebrate.

]]> By: Little Miss Attila http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54269 Little Miss Attila Tue, 29 May 2007 06:21:32 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54269 <strong>Almost at the Halfway Point . . ....</strong> at Blogging Away Debt. And this, so far as I can tell, without any involvement in DA. Whatever works!...... Almost at the Halfway Point . . ….

at Blogging Away Debt. And this, so far as I can tell, without any involvement in DA. Whatever works!……

]]> By: gzone http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54179 gzone Tue, 29 May 2007 02:57:35 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54179 We too have focus our efforts on this matter. By far it is the best thing to do with money. We too have focus our efforts on this matter. By far it is the best thing to do with money.

]]> By: MVP http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54158 MVP Tue, 29 May 2007 02:36:56 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54158 Love the graph. Try this with your weight loss too! Love the graph. Try this with your weight loss too!

]]> By: Bob http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-54115 Bob Tue, 29 May 2007 01:12:57 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-54115 You might consider revamping your chart so that your debt is expressed as a negative number. Then you can continue to use the chart as you punch through the zero (no debt) and start plotting your investment income (expressed as positive numbers.) In other words, express debt as a negative investment. You might consider revamping your chart so that your debt is expressed as a negative number. Then you can continue to use the chart as you punch through the zero (no debt) and start plotting your investment income (expressed as positive numbers.) In other words, express debt as a negative investment.

]]> By: Rob in Madrid http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53999 Rob in Madrid Mon, 28 May 2007 19:56:06 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53999 Hi Tricia I spend alot of time over at the simpledollar.com blog and while it's a great site but he made the transition from spendthirft to frugal seem almost effortless. I like your blog because it shows the struggle that all of us face in trying to overcome debt. Anyways one important point on getting out of debt is you have to deal with the underlying physiological (thank you google spell) issues that got you in debt in the first place. Instant gratification, keeping up with the Jones laziness in money management etc. Problem is as you begin to get free of debt you will find it hard not to succumb to temptation again. Even if you don't you'll be tempted to loosen the purse strings again. I would highly suggest two things. Starting an emergency fund even if it's a dollar a day, secondly setting some goals that you save up for. It seems to go against the grain to put money in the bank instead of on debt but the purpose is to get used to having cash in the bank and more importantly getting used to saving up for things. For example the wife and I normally would use credit for holidays. This year for our trip home we are saving up and expect to have cash in the bank before we leave. Never done that before and it's a nice feeling. By saving up for it changes how you view money. Could it have gone to debt, sure but we need to change our mindset on how we manage money. Trent has an excellent article on 31 days to fix your finances Hi Tricia I spend alot of time over at the simpledollar.com blog and while it’s a great site but he made the transition from spendthirft to frugal seem almost effortless. I like your blog because it shows the struggle that all of us face in trying to overcome debt.

Anyways one important point on getting out of debt is you have to deal with the underlying physiological (thank you google spell) issues that got you in debt in the first place. Instant gratification, keeping up with the Jones laziness in money management etc. Problem is as you begin to get free of debt you will find it hard not to succumb to temptation again. Even if you don’t you’ll be tempted to loosen the purse strings again.

I would highly suggest two things. Starting an emergency fund even if it’s a dollar a day, secondly setting some goals that you save up for. It seems to go against the grain to put money in the bank instead of on debt but the purpose is to get used to having cash in the bank and more importantly getting used to saving up for things.

For example the wife and I normally would use credit for holidays. This year for our trip home we are saving up and expect to have cash in the bank before we leave. Never done that before and it’s a nice feeling. By saving up for it changes how you view money. Could it have gone to debt, sure but we need to change our mindset on how we manage money.

Trent has an excellent article on 31 days to fix your finances

]]> By: misskate http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53891 misskate Mon, 28 May 2007 16:14:00 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53891 Congratulations! You must be so proud of yourself and family! YAY, You! I love visual representations, whether it's line graphs like above or pie charts like on ncnnetwork. Slow and steady and you will get there. I am always inspired when I come to this blog, but especially today! Congratulations! You must be so proud of yourself and family! YAY, You!
I love visual representations, whether it’s line graphs like above or pie charts like on ncnnetwork.
Slow and steady and you will get there.
I am always inspired when I come to this blog, but especially today!

]]> By: nancy http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53855 nancy Mon, 28 May 2007 15:38:55 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53855 Today's blog just made me smile. You gave me so much encouragement by YOUR accomplishment. I am where you started!! God Bless! Today’s blog just made me smile. You gave me so much encouragement by YOUR accomplishment. I am where you started!! God Bless!

]]> By: D http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53838 D Mon, 28 May 2007 15:11:36 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53838 Love the graph, really helps to show the massive progress you have made. Stay strong! Love the graph, really helps to show the massive progress you have made.

Stay strong!

]]> By: Kristine http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53836 Kristine Mon, 28 May 2007 14:56:26 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53836 Wow, what an accomplishment! You should be proud of the progress you've made so far. Thanks for sharing your journey out of debt. Wow, what an accomplishment! You should be proud of the progress you’ve made so far. Thanks for sharing your journey out of debt.

]]> By: danielle http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/comment-page-1/#comment-53795 danielle Mon, 28 May 2007 13:03:27 +0000 http://www.bloggingawaydebt.com/2007/05/credit-card-debt-under-21000/#comment-53795 Great job!!! Just take baby steps. Don't focus too too much on the zero mark, rather on the 20K even mark. Then, worry about the next goal later. I am really glad you did something there. Great job!!! Just take baby steps. Don’t focus too too much on the zero mark, rather on the 20K even mark. Then, worry about the next goal later.
I am really glad you did something there.

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