No. of Recommendations: 4
For example, I do our car maintenance and repairs. Most of the parts, filters, etc are bought online for less money. I use a CC for these purchases because I feel it is safer than a debit card.

1. Welcome. Sorry I'm late to the party. You've already got some good advice - and there's probably more I haven't read yet, so apologies in advance if this is duplicating something further down the thread.

2. On this item above - I get it. There are good arguments to be made both ways on the debit vs. credit card issue. I'm not going to address that. What I do want to mention is that if you are NOT paying these new purchases in full every month PLUS the interest for that month PLUS something towards the earlier balance, you are not getting ahead. That's an easy way to fool yourself into spending more than you're making.

3. If you wander around the investing areas of the site, you're going to run into people who are well-off. Some (certainly not all, but some) have a hard time understanding people who are struggling financially. I would avoid those areas for now. There's good advice about investing there, but that's not what you need at the moment. I'd stick to this board and the Living Below Your Means board, with occasional forays into the more social areas if you want.

4. Getting out of debt is hard. And it takes lots of time. I don't talk about my personal situation very much, but I've been at it since I joined the boards around 2000. I'm not out of debt yet, but I'm no longer a slave to the debt. My debt is going down now and has been consistently for a few years now.

5. You're going to get tired of the process somewhere along the way. Don't let that derail you. Don't be shy about asking for some encouragement. Every once in a while stop and look back at where you were and compare that to where you are now.

--Peter
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