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

    Bank, What Have You Done For Me?

    • 5 Comments

    Bank mergers are a fact of the marketplace, especially in a churning, staggering economy. The best defense is to be informed, because you can be sure that rules and policies and methods of operation will be changing.

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  • My Journey out of Debt

    Need Help...Just Ask!

    • 7 Comments

    My nine-year-old daughter looked me square in the eyes and asked, "Daddy, why don't you just ask for help?"I couldn't answer her. What a simple question.

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  • My Journey out of Debt

    Would You Blow Your Budget to Leave a Tip?

    • 77 Comments

    When my wife and I really started tracking our expenses, we found that by far restaurant dining made up the largest sum of our weekly spending.  Now that we have a better command of our spending, eating out is much less common; but, when we do eat out, we set a budget for each meal. 

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  • My Journey out of Debt

    Can't Fight This Feeling Anymore......

    • 9 Comments

    I devote so much time each day to thinking about money.

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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

    The $5 Challenge; Motivate Yourself to Stay on Track With Your Debt!

    • 8 Comments

    I want to be the Abraham Lincoln of my household, and I'm armed with all the tools necessary to make it happen!

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  • My Journey out of Debt

    Happy 70th Birthday to my Dad!

    • 2 Comments

    However, I pushed to investigate more inexpensive options, as my father is a prostate cancer survivor, and I really wanted to celebrate the fact that we have the privilege of having him still with us.

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  • My Journey out of Debt

    Running the DMP Marathon

    • 20 Comments

    I've completed two marathons in my life. Training for a marathon takes dedication, self-discipline, and time. In many ways, getting out of debt by enrolling in a Debt Management Plan is a lot like training for a marathon. 

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  • My Journey out of Debt

    Why Yes, We Can Afford That!

    • 5 Comments

    The main message of the blog is that even if you are in debt, you can afford anything.  You just cannot afford everything. Obviously there are limits to this, as there's no way I can afford a $30 million dollar mansion, but I think you get the idea.

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  • My Journey out of Debt

    Life Simplification

    • 5 Comments

    We're all busy.  I'm sure you know what I mean. Between getting kids ready for school, jobs, kids' activities, social events, and countless other things, there used to be many days that when I finally laid my head down on the pillow for the night, I would think to myself, "I didn't do anything for ME today." 

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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

    Need Help Finding More Money?

    • 5 Comments

    If you've been living paycheck to paycheck and used credit cards for every day purchases, this can be a hard thing to swallow. Credit counseling programs are designed to help you get out of debt, and well, to do so, you need to stop incurring more debt!

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  • My Journey out of Debt

    Financial Tool...What's That?

    • 1 Comments

    Thankfully, numerous online tools exist designed to assist people who need help organizing and gaining control of their finances. These tools are easily accessible to anyone with a computer and access to the Internet. Many tools and services are available, but most cost you money, which might be hard to justify if you do not have much money to spend.

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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

    Is it in You?

    • 4 Comments

    Then I thought about those words I had seen just a few minutes earlier, and my motivation kicked into a new gear. Is it in me? Yes!

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  • My Journey out of Debt

    Preparing for Life AFTER a Debt Management Plan (DMP)

    • 15 Comments

    People who run up their credit cards again have also failed to implement the tools and habits they used to get out of debt, or failed to solve whatever problem is driving them to overspend

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  • My Journey out of Debt

    Tax Season-It All Add's Up!

    • 18 Comments

    If you're enrolled in CareOne's Debt Management Plan like me, you keep a watchful eye on the progress tracker to see how much your debt has decreased, and how much time you have left on the plan.  Like me, you may also fantasize about the day when you become debt free, 4 years and 5 months from now, for me.

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  • My Journey out of Debt

    Who Knew Dance Recitals Were so Expensive

    • 12 Comments

    We've done this for a few years now, and know how much this preparation can cost; we have found ways to make it as inexpensive as possible:

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  • My Journey out of Debt

    Dental Insurance, Navigating the Unpleasantness

    • 2 Comments

    But a lot of people don't have dental insurance and I've found that it is extremely difficult to figure out what exactly you're supposed to do. Shopping for individual health care is tricky enough. Dental insurance is a whole different ballgame!

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  • My Journey out of Debt

    My Wife is a Financial Rock Star!

    • 7 Comments

    Most recently I have discovered that even though I still think she takes too long shopping, has too many pairs of shoes, and finds it almost impossible to leave a store without buying something, deep down in her soul she is a deal finding, penny pinching,make sure you get what you pay for rock star.

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  • My Journey out of Debt

    Need a Budget Vacation? Take A Closer Look At The Town You Live In

    • 1 Comments

    I would love to go to the beach, across the country, heck across the ocean but it ain't going to happen on my budget!  So, what happens when a vacation in the traditional sense, just isn't in our budget? 

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  • My Journey out of Debt

    The ABCs and 123s of Debt Management

    • 4 Comments

    I have a philosophy when it comes to most things in my life - keep it simple.  Stick to the basics and when the going gets tough - go back to the basics.

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  • My Journey out of Debt

    Saying No and Mean It!

    • 1 Comments

    A couple of years ago, I might have listened to the devil on my left shoulder that screamed "Yes! Absolutely! I saved so much money not having to buy the flash that I will take all of the additional items!" 

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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

    Crystal Anniversary on a Wood Budget

    • 4 Comments

    On June 29th, my wife and I celebrated our 15th wedding anniversary.  Given our current financial situation, I had to rely on creativity to give my wife the special day she deserves for putting up with me for 15 years.

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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.