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

    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

    Help, I Can't Pay my Tax Bill!

    • 12 Comments

    As I continued answering the questions, and filling in numbers, the amount I owed was going down, but it soon became obvious that I when it was all said and done, I was going to owe more than I had been planning for.

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  • My Journey out of Debt

    Retired with Nowhere to go?

    • 2 Comments

    If a long vacation doesn't interest you, and neither does the idea of no vacation at all, and you're feeling bored and suffering from a mild case of "cabin fever," maybe a day trip would be just the thing to spark up your day.

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  • My Journey out of Debt

    BE a Procrastinator

    • 8 Comments

    Our friends poke fun of me for never being able to just sit down, of constantly being in motion, or perpetually doing something. How is it that I could possibly be a procrastinator?  

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  • My Journey out of Debt

    DIY Smoker Improvements

    • 0 Comments

    The good news is that some easy and inexpensive modifications that I found online have greatly improved the quality of my smoker, helping me get the most for my money.

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  • My Journey out of Debt

    60K Down, Less Than 20K To Go

    • 0 Comments

    As I think about where I am at now with my debt, I have to laugh, because many of my family and friends didn't think I would be able to do what I have done.

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  • My Journey out of Debt

    Meet Debt Management Plan Graduate, Dennis

    • 1 Comments

    Through the CareOne DMP I have learned how to chart my spending to find out where our money goes and find areas to cut back. I have learned how to keep a budget to help with our spending.

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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

    How I Managed to Get Through Three Years on a DMP

    • 7 Comments

    The first year on my DMP was difficult. I struggled with knowing what to do to keep myself on track. I felt like I had no money and I just didn't think I would make it. 

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  • My Journey out of Debt

    Mastering my Budget Post Debt

    • 5 Comments

    However, I must admit, creating a budget and being able to stick to the letter (in this case, the number) of the law within it, is extremely difficult.

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  • 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

    Preparing for the Holidays; Time Capsule Style

    • 9 Comments

    The pieces of paper contained information about last year's spending. The purpose being to help keep this year's holiday spending on budget, and remind me of expenditures that I had not planned for last year, but which would certainly repeat themselves this year.

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  • My Journey out of Debt

    We’ve Been in Your Shoes – Employee Spotlight Ricky Jackson

    • 10 Comments

    At that time that look just made me feel worse, I didn't want pity, I wanted help.

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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

    A Broken Dishwasher Isn't so Bad

    • 13 Comments

    Since it was during the holidays, money was extra tight-we wanted to give our kids the best Christmas we could. Having a dishwasher wasn't a necessity, so we decided to wait to spend the money for a repair person to fix the latch until after the New Year.

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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

    The Pizel Family Ornament Tradition

    • 10 Comments
    Some friends of ours invited us down to their house to hang out and watch a movie. As we sat in their living room, I stared at their Christmas tree and the brilliant colors coming from the branches. Something was different than I had remembered. After having a quick conversation, I found out that our friends had replaced the rather expensive lights they'd purchased the year before that played music along with certain light patterns. They bought an entire new coordinated set of ornaments to use instead. We haven't spent more than $5 in any single year on new Christmas decorations since we purchased our artificial tree five years ago. When we purchased our artificial tree, my wife said she'd like to get rid of the glass ornaments that we had because...
  • 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

    Saving Money: A Little at a Time

    • 0 Comments

    To save money may seem to be one of the hardest things to do when you are trying to get out of debt. You might think that the word SAVE is one of those bad four-letter words. It is actually a really good word when you are trying to get out of debt. It helps you stay focused on the task ahead and accomplish your goals. 

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  • My Journey out of Debt

    Challenge Yourself to Success

    • 8 Comments

    I was amazed at the number of people blogging about this topic. The neat thing about Twitter is that you don't have to "say" anything to have access to a wealth of information. 

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  • My Journey out of Debt

    Happy 2 Year Blogiversary!!!!

    • 16 Comments

    Recently, March 3rd to be precise, I celebrated a very special day. It's not the birthday of anyone special in my life, nor is it my wedding anniversary. It was, however, my two year Blogiversary.

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  • My Journey out of Debt

    Resolution Report Card

    • 8 Comments

    Being about half way through 2011, I thought this would be a perfect time for me to revisit the four things I committed to in January and see if I'm following through or not.  And since the kids recently got their end of the year report cards, I'll do this in report card fashion.

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  • My Journey out of Debt

    Long Term Investments...a.k.a. The Aluminum Can Caper

    • 1 Comments

    Well, through trial and error, my husband and I discovered that having a piggy bank to put our pennies in and watching those pennies grow into dollars could potentially turn into "long term investments". 

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  • My Journey out of Debt

    The Good, the Bad, and the Guilty

    • 0 Comments

    You can feel guilty because you spent too much during the holidays, went beyond your budget, and now have to figure out how to pay for it, or you may be feeling guilty because your friends and family did not listen to you when you said no gifts this year and you have opened many presents and have none to give. 

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  • My Journey out of Debt

    Help Me Save Money, Please

    • 5 Comments

    When you really get serious about saving money, you will come up with all kinds of ideas

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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.