The debt consolidation program will get you out of debt much faster than you could likely accomplish on your own. Even with that expedited time frame, it can take a few years to accomplish your goal.
But sometimes when you're married, you can feel like your spouse is beyond hope. You can yell, scream, beg, plead, and they still don't understand the way you think when it comes to money or anything else.
But even Emeril likes to eat out every once in a while. And in today's fast-paced, stress-filled society, grabbing a "quick" bite to eat at a local restaurant can end up costing you way more than you bargained for.
She says she understands why we need to be on the DMP, but the same issues keep cropping up.
Apparently a major department store was having a sale where shorts were on closeout for 20 to 25% off. I was skeptical about whether the sale would really be worth it, but it's always worth looking.
When I initially researched debt consolidation as a means of helping me pay off my seemingly endless debt, I knew it was going to take a little over four years to accomplish. I was thrilled at the prospect of consolidating the many debts I owed into one lump sum payment that would be due the same day each and every month.
When the time comes to buying your next car, there is a good way to do it, and then there are some not so good ways.
it's important that everyone is involved in the money conversation so that you are all on the same page. It's hard to reach your long-term financial goals -- especially if you are trying to pay down debt -- when everyone's not on the same page.
Good debt does exist, but only if you commit, keep the big picture in focus, and remain disciplined.
I explained to her the concept of impulse buying, and how many times something that is bright and shiny at the moment loses its luster a day or even a few hours later.
These emotions can sabotage your efforts, undermine your goals and make you want to give up. Avoid comparing yourself to others, too. If you constantly focus on what you don't have or how you measure up to your friends, you're going to feel rotten.
For those who experience high anxiety about shopping for a pre-owned car, here are some tips that will make the process less of an ordeal.
During those times I found that was the most important time for me to find what was going to keep me motivated to continue towards my ultimate goal, to be debt free.
I wrote before in my post titled "This is HARD!" about how the excitement and pride over finally taking charge of our debt started to fade once the drudgery of actually doing something about our debt had begun.
I was scared of where my family was headed if we didn't do something. At the same time, I was petrified of what would happen if we enrolled in a debt consolidation program I had never heard of, with a company I had also never heard of. I was doubtful that we had the communication skills or the self-discipline to drastically alter our lives to make a huge payment each month to our program and still handle our day-to-day finances successfully.
Whether it's taking advantage of online coupons or cutting coupons from the Sunday newspapers, canceling magazine subscriptions, buying in bulk, growing your own fruits and vegetables, buying clothes at consignment or thrift stores, or conserving energy costs, there are still many more ways to stretch your dollar.
You may be surprised how much money you can save on your grocery bill by planning out your menu ahead of time. From the gas money it takes to run to the store multiple times during the week, to being able to plan your menu based on what is on sale that week, the savings can be substantial.
But when it comes to making resolutions any time of year, I believe one of the best resolutions you can make is the one to finally get out of debt.
You want to get the best value for your money, and that means evaluating your options, and making sure that you really want to go through with the expense.
You're in debt. It seems reasonable enough that you want to be out of debt. But truly, is being debt-free the end game? Or is it a stepping stone to something you really do want out of life?
I was not affected by widespread layoffs by my employer a few months ago but unfortunately, many remaining employees including myself were the targets of a week long furlough for which I will be paid only a portion of my salary.
That caused me to wonder just what is my money is worth?
I've counseled a lot of people during the last few years who have taken classes, read books, and made budget after budget in their quest to make sense out of their financial situation. But after a short time, they've gone back to their old habits of spending more than they make and piling on the debt.
Let's talk for a minute about our day to day entertainment, those free hours after work or on weekends when we should put work on the back burner and enjoy our family, friends, and home.
We are so broke
In addition to the blogs, be sure to check out the new CareOne Groups:
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.
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.
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.
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.