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

    My Holiday Wish List

    • 3 Comments

    As you will see, my wish list is a bit different.  It is not made up of material things to entertain me, or to add to a hobby that I have.  This, my friends, is a list that will help reduce our holiday season spending, but still allow us to thoroughly enjoy the season. 

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  • My Journey out of Debt

    The Reality of Being in Debt, Warts and All

    • 2 Comments

    I want to hear people talking about that reality - that is my reality and that is what I live with every day.  Hearing about the financial accounts, savings and related that I should have gets me back into that "funk" of failure. 

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  • My Journey out of Debt

    What Are You Thankful For?

    • 4 Comments

    Being thankful for what you have should never be taken for granted, and the holiday of Thanksgiving gives us the opportunity to really put it into focus, if for but one day.

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  • My Journey out of Debt

    Finding the Blessing in the Curse

    • 3 Comments

    As time rolls on (I'm two and a half years into my plan), I'm happy to report there are more good days than bad. So, while I'm not thrilled that I'm in this position, I am very glad and exceptionally grateful for the peace of mind that participation in CareOne's Debt Management Plan has afforded me.

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  • My Journey out of Debt

    Beware of Black Friday

    • 2 Comments

    Black Friday equals profit to retailers, but to me, and most likely many of you, Black Friday is something more along the lines of financial distress. 

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  • My Journey out of Debt

    Don't Let Winter Energy Costs Put You in a Frigid Mood

    • 0 Comments

    Now that I'm the grown-up, and have to pay the utility bill each month, I find my finger pushing the "down" button on the thermostat more frequently than I would have ever imagined. 

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  • My Journey out of Debt

    Can Money Buy Happiness?

    • 0 Comments

    But what measures would you go to in order to earn extra money?

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  • My Journey out of Debt

    Halloween Screams, for Next to Nothing

    • 97 Comments

    Last year it was our turn to host the pre-trick-or-treat festivities.  My wife always looks for ways to take things "up a notch" and make events just a little extra special and a little more memorable. 

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  • My Journey out of Debt

    A Change in Financial Seasons

    • 6 Comments

    Fall, and its cooler weather, is a welcome relief from the sometimes oppressive summertime heat.  Believe it or not, this actually made me think of recent events in my fight against credit card debt.

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  • My Journey out of Debt

    Making Your Children Pay

    • 6 Comments

    So, we made a deal with my son. He could get a phone, but he has to pay the five dollars a month. We figured this would be a good opportunity to teach him that working hard allows him to have extra privileges. 

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "CRT1487"

    • 5 Comments

    The CareOne Community Member Spotlight, Crystal

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  • My Journey out of Debt

    The List

    • 3 Comments

    It's my opinion that things are less likely to be forgotten, and more likely to get done if they're written down on paper with ink. 

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  • My Journey out of Debt

    All the Small Things...

    • 3 Comments

    I'm 45 years old and I'm still learning from my father.  You see, it doesn't matter what we don't have, it's what we do have that counts.

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  • My Journey out of Debt

    Because I Deserve It

    • 0 Comments

    I talked myself into feeling entitled to whatever I was looking at, and that credit card in my wallet gave me the means to make it happen.  The problem was that I didn't feel very entitled to the bill when it came in the mail a few weeks later.

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  • My Journey out of Debt

    "Magical Mystery Tour..."

    • 2 Comments

    My wife and I celebrated her birthday last month and I was down to the wire as to what to do for her.The kids had it easy-- all they needed to do was make a handmade card or "Coupon book of Chores" and they were done.  No, I needed something different.  But,what?

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "Squade"

    • 4 Comments
    Introducing a new featured segment for the My Journey out of Debt blog; CareOne Community Member Spotlight! 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. This week I have interviewed Susan Quade; you would know her as squade. Susan did not have a photo of herself but because she lives near the beach this is the image we chose What happened that made you realize you needed help with your debt? My husband and I fell into the familiar trap of using credit cards for everyday expenses like gas, groceries, and dinners out. Before we knew it, we were making...
  • My Journey out of Debt

    Debt Is Not Genetic

    • 1 Comments

    The good news is that they have not found a gene that will predispose a person to credit card debt. There is hope!  I can teach my children to be financially responsible, and do my best to have them avoid getting into the same situation that I have created for myself. 

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  • My Journey out of Debt

    Holidays in September

    • 4 Comments

    School has started, professional football is back, and oh, by the way, Happy Holidays!  The holiday season may be months away, but it's never too early to start making your gift list.

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  • My Journey out of Debt

    The Joy of Rediscovering the Library when You Can't Afford Barnes and Noble

    • 0 Comments

    Now, I'm not one who particularly "enjoys" a trip to the library-- it's a little too quiet for my taste and reminds me too much of school.  But, I will tell you, the look on my little girl's face when she came out with that book in her hands was proof enough that libraries are great places! In our family, we have always been "readers." 

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "mdavis1964"

    • 13 Comments

    Introducing a new featured segment for the My Journey out of Debt blog; CareOne Community Member Spotlight! We are placing the spotlight on some of the familiar members you see engaging in the Community.

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  • My Journey out of Debt

    Skills Equals Cash

    • 0 Comments

    As consumers, we are constantly overpaying for services. We are all being ripped off on a daily basis. You don't believe me?

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  • My Journey out of Debt

    School Lunch vs. Lunch Box

    • 275 Comments

    Across America, the sounds of school buses are again filling the crisp morning air.  Children run toward the bus stop with backpacks filled with pencil boxes, folders, notebooks, and lunch boxes.  School lunch proposes a dilemma for many parents. Should you send a lunch from home, or have them eat school lunch?

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  • My Journey out of Debt

    Don't Fall Prey to Store Displays

    • 0 Comments

    So you see, it's not my fault that at age 34 I am still tantalized with the event, the overhaul, the total sense of renewal that is "Back-to-School" shopping.

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  • My Journey out of Debt

    "And then depression set in..."

    • 1 Comments

    By luck, or some divine intervention, I happened on a CareOne ad on the internet.  My wife and I talked it over and decided to contact CareOne to see if they could help with our situation. From the very first call I could tell that these people cared about their clients.  Our debt counselor, though surprised by the amount, was certain that CareOne could help us lower our debt and pay off our creditors.  It would be a difficult journey out of debt, but we saw the light at the end of the tunnel. 

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  • My Journey out of Debt

    Sacrificing to Become Debt Free

    • 286 Comments

    It's hard to sacrifice.  We're a full year into our projected five-year Debt Management Plan to get out of debt, and after all the budget cutting, downsizing, and life-simplification projects, I'm finding that I'm not yet done cutting the excess fat out of my life in order to effectively live within my means. 

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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.