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Welcome, getbackup. You've come to the right place. :)

>> I wish I had discovered this board a couple of years ago.

You and me both! I've been financially irresponsible for most of my adult life (from the late 1970s through most of 2005). I too filed for BK (in 1987) but then proceeded to max out my credit cards two more times (one of my biggest regrets was cashing in my 401(k) to pay off them off). I finally woke up and decided to grow up in September 2005 (that's when I stopped adding to my debt). I found TMF two months later but didn't post until January 2006. I vowed never to file for BK again. My goal is to have my debt paid off in January 2008. The important think to remember is that paying off your debt is not the end all, you must also change your attitude. If you don't learn to respect the money that comes into your life (both money you've worked hard for and windfalls), you will never stop abusing it.

getbackup, I would not have made it this far on my new journey without the advice and encouragement and humor (life should not be all doom and gloom) of the wonderful Fools on this board. I will say it again -- you've come to the right place! Welcome! :)


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