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?

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    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

    New Year, New Financial Goals

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    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

    Will Work for Xbox Live

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    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

    Keeping up With The Joneses

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    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

    Need Help Finding More Money?

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    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

    CareOne Community Member Spotlight - "CRT1487"

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    The CareOne Community Member Spotlight, Crystal

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  • My Journey out of Debt

    Life Simplification

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    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

    Can Your 7 Year Old Plan Their Own Birthday?

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    Raise your hand if you've ever overspent on your child's birthday party. My hand is up - guilty as charged. With movie theatres, bowling alleys, and theme restaurants all offering convenient birthday packages it's easy to overspend. The only planning required is a phone call; the only actions needed are to show up, and swipe the card. Last year, for my daughter's 7 th birthday party we brought a group of 10 girls to a kids salon for a few hours of hair coloring, nail painting, dress up, and pizza. Then, off to the movie theatre for more fun. I don't even want to talk about the time we treated my son's entire school class, plus additional friends (over 30 boys in all) to a bowling party and pizza. My wallet is still smarting...
  • My Journey out of Debt

    Great School Shopping Adventure

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    They've been coming in the mail for a couple of weeks, but I've been ignoring them. I just quietly and quickly dispose of them with the other junk mail that shows up in my mailbox on a daily basis. My kids have seen them. 

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  • My Journey out of Debt

    Ban Grocery Budget Busters!

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    I do have a budget line item cost that I try not to exceed but it doesn't always work out that way. When that happens, something else has to be re-adjusted to make up the difference.

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  • My Journey out of Debt

    Be Inspirational

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    People are inspired by the stories of others accomplishing something they themselves wish to achieve. Let's be honest: there are few people who have the ability to do something that has never been done before. The rest of us need a little push to believe that something is possible before we start out trying to do it ourselves.

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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

    Financial Blogger Conference - Let's Build Something Together!

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    There are hundreds, maybe thousands of people just like you and me that are fighting their way out of debt and writing about it.  We read each other's stories and experiences, learn from each other, and most importantly, we support each other.

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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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  • My Journey out of Debt

    The Burden of Expectations

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    For all of my efforts to keep things low-key and easy on our loved ones, I have come to realize that it is really about expectations...managing my own. 

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  • My Journey out of Debt

    I Need Therapy About Not Being Able to Afford Therapy

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    If you're looking for a way to get yourself into a professional, therapeutic environment, doing it within your means is tricky but often possible.

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  • My Journey out of Debt

    We've Been in Your Shoes - Employee Spotlight Laura Childs

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    I became overwhelmed with credit card debt between the ages of 18 and 25. As a young single mother I used credit cards for my emergency fund as well as my "make ends meet" fund.

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  • My Journey out of Debt

    Keep Chipping Away

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    Surprisingly, the gentleman on the other end told me that he understood, and that times were tough for everyone. He said that he had a pile of medical bills that he'd probably be paying for the rest of his life. As long as I sent a partial payment each month, I'd be fine.

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  • My Journey out of Debt

    To Succeed You Must Believe

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    These limits and boundaries prohibit you from living the life of your dreams and diminish your chance to succeed.

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  • My Journey out of Debt

    Financial Independence

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    This week our great country celebrated its birthday. July 1st was a birthday for my family, as well.  July 1, 2009 was the day we joined the CareOne Debt Management Plan. It has been a year of many positives. 

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  • My Journey out of Debt

    Holidays in September

    • 4 Comments

    School has started, professional football is back, and oh, by the way, Happy Holidays!  The holiday season may be months away, but it's never too early to start making your gift list.

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  • My Journey out of Debt

    Financially Out of Shape

    • 4 Comments

    As I was making my way through my run this morning, I came to the conclusion that I don't feel very financially fit either.  Our monthly payments to the Debt Management Plan are certainly getting us closer to being debt free, but it's the day-to-day, week-to-week struggle each month that is just not working very well.   

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  • My Journey out of Debt

    Life Interrupted

    • 4 Comments

    With one phone call, my drive through life had taken a turn onto one of those infrequently traveled minimum maintenance gravel roads. 

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  • My Journey out of Debt

    What Are You Thankful For?

    • 4 Comments

    Being thankful for what you have should never be taken for granted, and the holiday of Thanksgiving gives us the opportunity to really put it into focus, if for but one day.

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "Squade"

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    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...
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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.