If you are having some trouble posting, it is possible to edit your own post if you have posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu. If you have accidentally posted a duplicate message, you can use the “Report Abuse to a Moderator” link to asking the moderation team to remove one for you. To find this link, go to the duplicate post, click on "Options," then select "Report Abuse to a Moderator" from the drop-down menu. If you need any help with anything, let me know. Thanks for your contribution to the FICO Forums!
However to answer what you do have, sit down and figure out where you are at financially. Write out all your debts (CCs, loans, baddies, etc.) and look at where you are at. Next, make sure you have a written budget. If you are going deeper into debt, then you are spending more money that you are taking in. Next figure out what you are willing to give up. Maybe it is cable, maybe entertainment, fun on the weekend, going out to eat, or maybe you are buying stuff you don't even need. Make cuts.
If you have cut all you can cut, then maybe income is the issue. Figure out ways to increase your income via a 2nd job, or biz of your own, or tutoring (being a grad student), or TA, etc. Also look at what you do have and see if you can get rid of it. If you have junk laying around your place that you don't use or need, then have a garage sale or post on e-bay. Maybe you could cut back on lifestyle and take a step backwards and get a different car, place, etc if you have on-going payments. I'm not telling you to do this, but see if you can cut back on school until things shake out, etc.
Message Edited by llecs on 10-23-2008 09:23 AM
