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Hi,
I'm turning to the community here because I need a little encouragement. Three years ago, I was $49,000 in debt, due mainly to credit card mismanagement, a motorcycling indulgence, and a misunderstanding of personal financial management. I decided to take action by ruthlessly removing excess from my life and consolidating debt where I could. To date, I've paid off $33,500 of that $49,000, and I'm less than two years away from completely ridding myself of that debt. What I'm more proud of, though, is that I've responsibly used two credit cards (down from five) for three years, paying off my entire balance each month. This progress feels deeply meaningful to me.
But today I find myself a little down. I'm not sure if it's all the holiday shopping emails or just a rough time at work, but I'm feeling especially impatient about getting rid of this last third of my debt. I can't help thinking about things like, if I'd not gotten myself into this situation, I could have saved so much money rather than making this consolidated payment each month. To that end, I could really use some lifting up today, if you can spare a little good cheer. Any words of encouragement would be so appreciated.
And let me also say: I know I'm not nearly alone in this positive progress. Congrats to all of you who are walking this road as well. May you reach a resting point soon.
I'm glad to hear you're also well on your way to getting out from under the debt. I hope your family is doing okay. Thanks for the kind words.
@Anonymous wrote:Hi,
I'm turning to the community here because I need a little encouragement. Three years ago, I was $49,000 in debt, due mainly to credit card mismanagement, a motorcycling indulgence, and a misunderstanding of personal financial management. I decided to take action by ruthlessly removing excess from my life and consolidating debt where I could. To date, I've paid off $33,500 of that $49,000, and I'm less than two years away from completely ridding myself of that debt. What I'm more proud of, though, is that I've responsibly used two credit cards (down from five) responsibly for three years, paying off my entire balance each month. This progress feels deeply meaningful to me.
But today I find myself a little down. I'm not sure if it's all the holiday shopping emails or just a rough time at work, but I'm feeling especiall impatient about getting rid of this last third of my debt. I can't help thinking about things like, if I'd not gotten myself into this situation, I could have saved so much money rather than making this consolidated payment each month. To that end, I could really use some lifting up today, if you can spare a little good cheer. Any words of encouragement would be so appreciated.
And let me also say: I know I'm not nearly alone in this positive progress. Congrats to all of you who are walking this road as well. May you reach a resting point soon.
You are doing really good. Infact you are in a much better position than a lot of people in this forum. Don't blame yourself for the situation. we all are there in it together. I looked at your Signature scores and they look amazing. I could only wish for such scores. Keep doing what you are doing right now, pay off slowly and set smaller targets and enjoy those Victories. All the luck to you and Happy holidays. Cheer up !!
Thank you so much! You'll get to those scores yourself, I have no doubt. I really appreciate your kindness!
@Anonymous wrote:Hi,
I'm turning to the community here because I need a little encouragement. Three years ago, I was $49,000 in debt, due mainly to credit card mismanagement, a motorcycling indulgence, and a misunderstanding of personal financial management. I decided to take action by ruthlessly removing excess from my life and consolidating debt where I could. To date, I've paid off $33,500 of that $49,000, and I'm less than two years away from completely ridding myself of that debt. What I'm more proud of, though, is that I've responsibly used two credit cards (down from five) responsibly for three years, paying off my entire balance each month. This progress feels deeply meaningful to me.
But today I find myself a little down. I'm not sure if it's all the holiday shopping emails or just a rough time at work, but I'm feeling especiall impatient about getting rid of this last third of my debt. I can't help thinking about things like, if I'd not gotten myself into this situation, I could have saved so much money rather than making this consolidated payment each month. To that end, I could really use some lifting up today, if you can spare a little good cheer. Any words of encouragement would be so appreciated.
And let me also say: I know I'm not nearly alone in this positive progress. Congrats to all of you who are walking this road as well. May you reach a resting point soon.
Dont be discouraged. Repeat your sentence in your head 10 times a day. I say dayum good job tackling this debt and the determination to rid yourself from it. Tell yourself also victory is so close you can tatse it now. Once its done. Take a weekend trip and celebrate like theres no tomorrow. Good Luck and dont stop now. Finsh line is coming into sight.
I am channeling some good vibes your way Anyhoo, you have made AWESOME progress on paying back your debt. IMO, you are waayyy ahead of where many people who have that amount of debt would be after just three years. And your scores reflect that...scores in the mid to high 700s ain't too shabby
YOU GOT THIS!!! It's so easy for us to get in debt and hard to get out. Look how far you have come. Keep your head up and keep going. You are an encouragement to others in your progress. When you feel like the holiday rush is getting you down, come back to the forum. This has help keep me from apping and spending like crazy.
Encourage yourself daily in the great progress you have already accomplished!!