My Journey out of Debt

Featured customers currently enrolled in a CareOne Debt Relief Plan, share journey to become debt-free; hear how they juggle family, finances, and more.
  • My Journey out of Debt

    Chasing Away Summer Boredom for Your Kids

    • 3 Comments

    This summer, I want to try to hold off the inevitable "I'm bored" statements as long as I can. I could certainly just assign both of my children extra tasks to do to help out around the house.  There will certainly be some of that, but it is not a complete solution. I really want to contribute to their summer fun, as well as participate in it.

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  • My Journey out of Debt

    Keeping up With The Joneses

    • 5 Comments

    It's the sense of competition.  We all want to be the best.  And while that may be healthy when it comes to sports, it's not really healthy when it comes to your wallet - especially if it's an empty wallet. 

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  • My Journey out of Debt

    Putting in Some Hard Work for Workout Deals!

    • 2 Comments

    If you are like me, I do better if I am meeting someone to workout with or taking a class I enjoy versus trying to stay in shape on my own at home. Well, in my digging around, I found an AMAZING place that exceeded my expectations.

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  • My Journey out of Debt

    EVERYONE Makes Mistakes, Including Your Creditors

    • 1 Comments

    If I've learned one thing in this plan it's to be watchful, not only of my own habits and methods, but also what the creditors are doing.

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  • My Journey out of Debt

    Feed One, Feed All

    • 3 Comments

    Kids that age are hungry all the time.  I was once a member of one of these bicycle gangs.  We'd go from place to place, eating parents out of house and home.  When we could beg no more snacks out of one set of parents, we'd move on.

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  • My Journey out of Debt

    What Are You Waiting For?

    • 4 Comments
    No really, what ARE you waiting for? I am talking to those that are reading this that are debating whether or not they should ask for help getting their life on track financially. Or if you are just perusing the web for information, ask yourself now...what are you waiting for. "It's a big step and I am a little bit scared to take it"... You weren't scared of debt when you were creating it. Be excited that there are resources and experts to help you and answer your questions. Wouldn't it be a relief to get it off your shoulders and behind you? Turn the fear into motivation. "It is going to take FOREVER"... Yep, it seems like that at first, but breakdown the numbers. When I started on my DMP 3 years ago, my CareOne Counselor told me my program...
  • My Journey out of Debt

    Economic Downsizing; Now It's Personal

    • 4 Comments

    Then I started thinking. When I'm cooking a few burgers or steaks for just my own family, lighting up my grill is sort of like driving a monster truck the ½ block down the road to go get the mail. Obtaining the searing temperature I like to cook my steaks at takes at least half a bag of charcoal.

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  • My Journey out of Debt

    The COST of Living!

    • 1 Comments

    Sometimes I think about my situation and wonder why, after three years of budgeting and cutting expenses, it isn't at least a little easier to live?  Why do I seem to keep living paycheck to paycheck? Then it occurred to me that our cost of living expenses seem to be increasing drastically....so I set about proving that theory and was alarmingly correct!

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  • My Journey out of Debt

    Camping: Budget-Friendly Vacationing I Can’t Help but Love

    • 0 Comments

    Now, we aren't experts in camping and don't own an RV or anything, but basic camping with a tent can be a relatively inexpensive and great way to vacation - especially if you have children. 

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  • My Journey out of Debt

    Etiquette 101: Free Ways to Stay with Family and Friends

    • 0 Comments

    In the end, the best advice is the usual advice: be the guest you'd like to have in your own home. As long as you're kind and considerate and are spending time with a person whose company you enjoy, everyone wins.

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  • My Journey out of Debt

    Will Work for Xbox Live

    • 5 Comments

    This summer provides an excellent opportunity for him to not only earn money to allow him to purchase the things he wants, but also to build a solid foundation on how to manage his money

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  • My Journey out of Debt

    Food Squirreling...It's a Real Thing I Promise

    • 53 Comments

    This happened only by pure luck, but was there a way to have this sort of lunch available to me all the time?  As I was pulling out of the driveway, I noticed a squirrel climbing the tree in my front yard with a nut in his mouth, and my new lunch strategy was born.  I was going to be a squirrel.

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  • My Journey out of Debt

    Your Debt-Free, But What do You Have to Show For it?

    • 9 Comments

    Sticking to a budget when you're debt free is just as difficult when you don't have debt to pay.  Why?  Because you don't have debt to pay. 

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  • My Journey out of Debt

    4 Steps to Make the Impossible Dream of a Savings Account a Reality

    • 8 Comments
    Call it what you will - "rainy day jar," "emergency fund," or just simply "savings account" - it's no secret that having a reserve of cash socked away is a smart idea. I have tried and tried over the years to establish a solid method of savings, but for various and sundry reasons I've come up short. Now is no exception: we face the challenge of living a "cash only" lifestyle every day, so long as we're in a debt management plan. Without access to credit, our wallets have shrunk. And as I wouldn't trade this transition for anything in the world, it makes it more challenging than ever to locate excess funds, much less funnel them out of reach. And yet... I know that this is the perfect opportunity to encourage good habits. I've had to retrain...
  • My Journey out of Debt

    6 Ways to Reduce Waste

    • 7 Comments

    When we enrolled in the Debt Management Plan, our grocery shopping habits changed significantly. These changes have allowed us to greatly reduce the amount of waste generated by our household:When we enrolled in the Debt Management Plan, our grocery shopping habits changed significantly. These changes have allowed us to greatly reduce the amount of waste generated by our household.

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  • My Journey out of Debt

    Three Years in; Life on a Debt Management Plan

    • 61 Comments

    When I signed on, I had A LOT of debt.  When I learned I would not be debt free for five years, I was discouraged and thought about not doing it...then I figured out how long it would take me if I tried to do it on my own.  Yikes.  Now, in a blink of an eye, I am about two years away from being completely debt free. 

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  • My Journey out of Debt

    Rising Gas Prices Will Not Get me Down!

    • 14 Comments

    I have a bicycle; why don't I just use it to get to and from the gym? Sure, it would take a little longer, but I'd be exercising which is the whole point anyway. I could bike to the gym, do additional cardio or strength training, and then ride my bike home. 

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  • My Journey out of Debt

    To Lease or to Buy - Cheryl's Dos and Don'ts

    • 4 Comments

    This is where great math skills come in handy. I'd like to offer some information on the differences between leasing and buying, what to look out for, and when the math becomes important.

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  • My Journey out of Debt

    What is Convenience Costing You?

    • 1 Comments

    We have become a society that demands convenience and we really don't think about the cost of it. 

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "Katie_S"

    • 0 Comments

    We are placing the spotlight on some of the familiar members you see engaging in the Community. These members have graciously offered up their time to let me interview them about their personal stories, tips for success on the plans and more.

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  • My Journey out of Debt

    Would You Lie to Your Wife to Save $1.29?

    • 19 Comments

    The difference is that I am willing to at least try anything generic to see how it tastes or works before deciding whether to purchase it consistently. My wife tends to dismiss generic items simply because they're, well, generic.

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  • My Journey out of Debt

    Taking Control....The Whiteboard Budget

    • 22 Comments

    I walked away from our discussion feeling really good about this new budget process.  For years, while I was hiding our debt problem from my wife, I had to do all the financial work myself.  When we joined the debt management plan, we improved our communication with respect to individual expenditures, but in order to be completely successful in our financial makeover, we have both realized that our financial life has to be a complete team effort. 

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  • My Journey out of Debt

    Answering to Yourself; You Need a Quarterly Report

    • 4 Comments

    If you're like me, debt-free or not, keeping track of your personal financial goals is an easy thing to put off until tomorrow, since there really isn't anyone you have to answer to today. 

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  • My Journey out of Debt

    Before You Spring Forward, You May Want to Take a Look Back!

    • 1 Comments

    With that said, it is a great time to step back and make sure you are not falling into any of the same bad habits you had last year. You remember, those same habits  that you promised you wouldn't repeat. 

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  • My Journey out of Debt

    Homeowners Insurance; Don't Forget to Use it!

    • 1 Comments

    Calling a contractor seemed like a moot point, there was simply no way I'd be able to afford to pay him much of anything, let alone a lump sum. And then it hit me - homeowner's insurance!

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In addition to the blogs, be sure to check out the new CareOne Groups:

Starting Out

Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.

Settling In

Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.

Balancing It All

Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.

The New Retirement

Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.