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Personal Finances / Credit Cards and Consumer Debt


Subject:  where to begin Date:  9/17/2014  11:51 AM
Author:  ready2bedebtfree Number:  308645 of 313065

I have been coming off and on for several years reading this board, never applying any of the common sense actions/advice to my own messy life of overspending. All the while continuing to pile on mountains of debt. I am 51, recently divorced and a single mother to a 9 year old son, also a daughter 22yr old at home. Lately I have been growing spiritually and making some major changes to my life. I have been living my life foolishly being irresponsible, ungrateful and always looking for immediate gratification. I am ready to clean up my life and be a better person. I have grown comfortable living in a state of fog. I feel scared and a little nervous but I am excited at the same time. Finally I am ready to do what it takes to get out of debt. I would appreciate any advice along the way.
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