No. of Recommendations: 18
Erik -


From reading your post and this thread, it sounds like you're trying to get things in order, but not really change any habits. The only way to really get out of debt, completely, is to change spending habits, completely. Compare to someone with a drinking problem: Consuming a little less every now and then will result in fewer hangovers, but doesn't solve the issue. The debt you have is the symptom of a bad habit of overspending. Unless the habit is changed, for good, the symptom will reappear later, and may be worse.


Don't be afraid to post expenses and budget here; yes, it might seem from time to time that frequenters of this board can be ruthless. This is Tough Love. Determination is required to change any habit, and in the process of confronting and changing said habit it may get ugly. You may experience some lumps and bumps along the way, but this is a group of folks lending their experiences to try and help you. (And yes, maybe an occasional Troll. It's life, after all.) Use the comments and answers to your queries to change your attitudes towards/about money. The sooner you start, the shorter the road.


I've learned much here, and hope you will as well. Quite frequently I'll read one of those "Duh, why didn't I think of that?" suggestions! It takes courage and determination to make life changes, and we're all hoping you make the committment completely. Half-way rarely works.

Don't take comments that bother you too hard, but use them as a point to ponder; as I said, these folks are only trying to help. Many times I find the truth hurts. (And I say "these folks" because I regularly read this board, but rarely post, as I always learn more than I can contribute.)

Wishing you the best!

MadamHusker 1

~ Wife of a Viking.... MN winters are more fun than TX ones!
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