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

    A Debt-Free Graduate's Decision

    • 3 Comments

    After hearing horror stories of students graduating from law school with over a hundred thousand dollars of debt and no job prospects, I realized I needed to do some thinking and planning before taking the plunge. 

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  • My Journey out of Debt

    Eating GOOD For Less

    • 10 Comments

    Our population is increasing but our farmland is decreasing. Not that long ago families in American actually grew their own foods. Yes, I know it may be shocking to some of us, but people used to be self-sustaining and we may need to do it again in the near future.

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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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  • My Journey out of Debt

    Meet Our Customer Bloggers: Round Two

    • 1 Comments

    We would like to introduce you to our CareOne Customer Blog Team for 2013! This is the second in a three-part blog series to help you get to know our Customer Bloggers a little better.

     

     

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  • My Journey out of Debt

    Don't Put Yourself in the Budget DogHouse for Valentines Day

    • 15 Comments

    I find Valentine's Day very stressful. I don't think I'm alone. 

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  • My Journey out of Debt

    How Adjustable Rate Mortgages Can Affect Your Taxes

    • 7 Comments

    Many people do their taxes as soon as they can collect the needed documentation. They do so hoping that they will be getting a refund, and the sooner they submit their form, the sooner they get their money. 

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  • My Journey out of Debt

    Review and Reorgnize - Life After Debt

    • 7 Comments

    As things happen in your life, you should do the same. It may be getting a new job, having a new baby, or having a relative move in or out.

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  • My Journey out of Debt

    3 Lesson’s on Saving for Holiday Spending: Courtesy of Cheryl's Mom

    • 2 Comments

    Although this doesn't sound like much, if you multiply $10/week by 52 weeks per year, that's $520 toward Christmas gifts.  The reason she doesn't need more than this is that she almost always has money left over after her Christmas shopping. 

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  • My Journey out of Debt

    Say it With Me, No More SALES

    • 2 Comments
    It is time to face the facts about sales. Sales prompt us to do one thing and one thing only.... buy things we don't need. Trust me, I know! A sale may seem like a great way to save when you shop, well at least that is what we are supposed to think. I am going to have to be honest here, sales are NOT what they seem. I know, I know.......I seem to take the fun out of everything! Call me what you will, but I like to think of myself as your conscious! When you are walking through the store, think of me as a little angel on your shoulder that says "I know that is a great deal on jeans, but you came in for a birthday card for your Aunt! Don't give in..." The stores are experts and know that most of us cannot resist that alluring word...FREE, among...
  • My Journey out of Debt

    Quick Tips to Save on College Expenses

    • 2 Comments

    If you're trying to jumpstart your brain and are thinking about either getting into college or going back to college, you probably already know that it is not cheap by any means.

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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

    Socializing on a Budget

    • 3 Comments

    It's a great way to socialize with friends without having to pay for and prepare an entire meal for a large group of people all by yourself.

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  • My Journey out of Debt

    Ever Hear of a 3, 2, 1 Cake?

    • 3 Comments

    Here's another recipe that is so easy, so simple, and so cost saving you will have to try it to believe it.

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  • My Journey out of Debt

    Mid-Year, Time to Check the Score!

    • 0 Comments

    It seems like just yesterday we were making our New Year's Resolutions...time flies!  So, where are you?  With your budget, that is. 

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  • 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

    Paying for Your Kids College Education...When You Don't Have Any Money

    • 2 Comments

    Early in adulthood, I promised myself  that when I had kids, I would save up a sizable college fund for them. Unfortunately, since my wife and I were not financially responsible for the first 13 years of our marriage, we will not have as much saved up to help our kids pay for college as I had hoped.

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  • My Journey out of Debt

    The Credit Card Battle

    • 10 Comments

    As a DMP graduate going on almost three years of being debt free, I was very surprised when I checked my credit score and saw it had dropped about 50 points from the year before. The reason? One of my long-term credit cards, which was not on the CareOne plan, was closed. I didn't include it on the DMP because I had no balance on it, and had cut up the card a year before I started the plan. 

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  • My Journey out of Debt

    A Grocery Store Dilemma

    • 16 Comments

    As I pushed the cart forward I heard what sounded like something being dropped into the cart. Looking down, I saw a second box of granola bars had been put on top of the one I deposited.

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  • My Journey out of Debt

    Getting out of Debt is a Constant State of Mind

    • 6 Comments

    I think such a statement is a little out of touch with the mind set of someone who is truly going through a tough time financially and trying to make ends meet.

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  • My Journey out of Debt

    It is Debt Confession Time...

    • 8 Comments

    That's right; we had MORE than the $109,000 in credit card debt we claimed. We also have several store credit cards with lower balances that are not enrolled in the plan because we figured we could just pay those off ourselves.

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  • My Journey out of Debt

    Hobbies, Life Simple Pleasures

    • 2 Comments

    However, once armed with a camera (of any kind - a camera phone, a disposable camera, a cheap point-and-shoot, or a professional DSLR), it can be a very relaxing and inexpensive hobby if you're like me and just like to wander with the camera, picking out interesting scenes you come across. 

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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 - "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

    Don’t Throw Out the Morning Coffee Until You Read This!

    • 3 Comments

    As coffee prices began to rise, I felt a tinge of guilt every time I poured perfectly good coffee down the drain.  What could I possibly do with left-over coffee and grounds? 

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  • My Journey out of Debt

    Breakthrough - I Finally Get it!

    • 8 Comments

    Have you ever had one of those moments where you just "got" something? Where you had been struggling so badly for so long, and then all of a sudden the light bulb turned on and it all just made perfect sense?

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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.