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 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

    Laying the Foundation

    • 2 Comments

    Until that habit really kicks in, we need to somehow keep ourselves going with these new behaviors, so we've come up with some tricks to help us.

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  • My Journey out of Debt

    You're Debt Free, Now What?

    • 57 Comments

    Your final payment has been made, and you've contacted your CareOne representative to let them know you will be finished with your plan.  Wow!  You are officially debt free! 

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  • My Journey out of Debt

    Time to Check the Score

    • 1 Comments

    Sure, I have an idea where I slipped up or what areas I did well in, but it is always harder to see it in black and white. Although it is hard, I hope it is something everyone is doing.

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  • 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

    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

    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

    It's New to You

    • 66 Comments

    People buy used cars and houses all the time, why would purchasing other items used be any different? 

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  • My Journey out of Debt

    New Year, New Financial Goals

    • 5 Comments

    The same can be said for paying off credit card debt. You owe $15,000.00 that you don't have.  Under the Care One DMP, you are given a monthly goal per month to get the debt paid down over a certain number of years. This is attainable and certainly better than saying "My resolution is to pay off $15,000.00," with no help, planning, or steps to get you there.    

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  • My Journey out of Debt

    Officially Married and In Debt!

    • 4 Comments

    Okay.  Some of you have followed my blogs about getting married this year, but for those of you who haven't, I still think you may have some interest in how it turned out. 

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  • My Journey out of Debt

    Full Steam Ahead

    • 1 Comments

    Once you get to the snowball portion of your plan, things really ramp up quickly. Just like your debt at one point seemed to have a life all its own, the snowball effect similarly cruises along - but in the very best of ways!

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  • My Journey out of Debt

    Bring on the New Year

    • 6 Comments

    In that spirit, I present loud and proud my New Year's resolutions for 2011. 

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  • My Journey out of Debt

    Auld Lang Syne

    • 1 Comments

    So, it seemed appropriate that one of my blogs be represented by this song - a celebration of all we have accomplished in 2010 as well as a memorial of 2010.

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  • My Journey out of Debt

    Reflection on a year in the Debt Management Plan

    • 45 Comments

    I find myself looking back on the last twelve months and reflecting on the experiences of the year.  Our experiences make us who we are and shape how we will handle future situations.

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  • My Journey out of Debt

    Temptations….No Not The Singing Group!

    • 2 Comments

    Don't give in to the temptations of the counter lady at the mall or the "Free Shipping" offer on the seven catalogues that you just got in the mail.  Don't let the reason for the season be about who can give the better gift amongst your co-workers

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  • My Journey out of Debt

    Would You Take Out a Loan for a Video Game?

    • 4 Comments

    It then occurred to me that what I was really thinking was that I wanted to take out a loan to buy a video game console.  That's really what we're doing when we use credit cards. 

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  • My Journey out of Debt

    Year in Review…Here I Come 2011

    • 1 Comments

    Well, it is that time of year.  Time to look back at what you have done right and what you have done wrong and to try to figure out what you want to accomplish next year. 

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  • My Journey out of Debt

    You Are So Lucky

    • 16 Comments

     While it may seem lucky, I think most of you will agree that getting out of debt has very little to do with luck, and more to do with sacrifice, struggle, and wanting to sometimes pull your hair out of your head. 

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  • My Journey out of Debt

    What do Your Friends Know About Debt?

    • 0 Comments
    Debt is complicated. First, it's just... complicated on its own. Then it gets to a point where it's not just your problem anymore, people are starting to know about it. And that, at least for me, did not feel especially comfortable. My parents were the first to catch wind of my woes, mainly because I swallowed my pride in an emergency and asked for a small loan. And we all know what happens when you ask anyone for a "small loan," don't we? Questions. Lots of questions. And wanting to make sure you're okay. And checking to be sure you're not a hair's breadth away from living on the street. And then you trip over yourself reassuring them that it's fiiiiiine , it's all under control, it's just a blip...
  • My Journey out of Debt

    CareOne Community Member Spotlight - "cher47917"

    • 3 Comments

    Introducing Cheryl, our very first DMP graduate!

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  • My Journey out of Debt

    Skills Exchange

    • 4 Comments

    On the one hand, this sounds like people just being good neighbors.   However, all of the previously mentioned things would cost a significant amount of money if a professional were hired to perform those services.  The end result of a neighborhood skills exchange is friends helping friends save money as well.

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  • My Journey out of Debt

    When Work Gets In the Way

    • 0 Comments

    The new job presented all kinds of great opportunities:  working from my home, traveling different places, an increase in pay, and wonderful benefits.  All great, right?  Sure, unless you are in debt! 

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  • My Journey out of Debt

    Surround Yourself with Support

    • 3 Comments

    In dealing with my debt, I really wanted to surround myself with people that understood what my family and I are going through.  I wanted my friends to support me and help me make good choices to achieve my goal.

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  • My Journey out of Debt

    Did I Really Just Do That?

    • 7 Comments

    I decided to leave the very stable comfort of my current job with the company I have been with for 6 years and try something different.  Am I crazy?  I don't know. 

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  • My Journey out of Debt

    The Discount Store Paradox

    • 4 Comments

    Sometimes there is great irony in being in debt. I can't tell you how much money I frittered away needlessly in the name of being a "savvy shopper."

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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.