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Bikini Mod
New member
Anyone else in debt? It causes so much stress I wish I could just start over with a clean slate. I think it was large contributor to my last bout of depression. It seems like I cannot do anything, go anywhere, its like a ball and chain that I won't be getting rid of anytime soon. I already made positive steps in getting out of debt; I only make necessary purchases now - I ask myself if I need or want before I buy, I paid off all my credit cards and torched them, literally.
Even after doing this though I am still in the red and it seems like I'll never get out. I have student loan debt which isn't bad as far as payments are concerned but I was stupid and didn't get a federal student loan so I have an AR which is currently at 10.5% $20k. I also have a $6k loan I took out for furniture and such when I first moved out of my parents which is 25% interest. On top of all of that I bought a brand new truck which I felt at the time was an important part of maintaining the image I had (another mistake) which I pay $500 a month for not including insurance.
I know I got myself into this but anyone have any tips for getting out of it?
Hmmmmmmmmmmm you got an education and maybe a good time? There are so many others who are in debt that they did not ask for nor from which they gleaned benefit.
It ain't no thang.
Do what you got to do to keep moving forward.... especially if you gleaned something positive from that debt.
