chaoskitty 0 #1 March 22, 2006 How did you do it? I'm really sick of it. Quote Share this post Link to post Share on other sites
swedishcelt 0 #2 March 22, 2006 Me too. Work. Work. Work. Quote Share this post Link to post Share on other sites
mcneill79 0 #3 March 22, 2006 My way was to never get in debt in the first place. I know that doesn't help you much now though The only debt I've ever had has always been on 0% credit cards. Quote Share this post Link to post Share on other sites
chaoskitty 0 #4 March 22, 2006 Yes, that doesn't help at all. Quote Share this post Link to post Share on other sites
swedishcelt 0 #5 March 22, 2006 Many of us have college debt that was unavoidable. Quote Share this post Link to post Share on other sites
Scoop 0 #6 March 22, 2006 Don't go to college. Debt avoided. That was my technique. Did apprenticeship instead and got paid while I learnt a trade Quote Share this post Link to post Share on other sites
briguy 0 #7 March 22, 2006 i have a mortgage and a motorcycle payment. no credit card debt. i carried a bit in college, but paid it off ASAP. as for how to avoid it? i live below my means. i don't buy crap i don't need. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
mcneill79 0 #8 March 22, 2006 QuoteMany of us have college debt that was unavoidable. I hear that, I was lucky enough to go to school for free. Quote Share this post Link to post Share on other sites
simplyputsi 0 #9 March 22, 2006 I was until I started skydiving, and then bought a condo. Now I'm masterfully moving money around on credit cards. 0% can make a whole lot of difference, just remember it isn't forever. before skydiving I just made sure I paid for everything in cash. If I didn't have the money I didn't buy it. Twasn't easy.Skymama's #2 stalker - Quote Share this post Link to post Share on other sites
weegegirl 2 #10 March 22, 2006 Paying my school loans off as quick as I can so I can get more debt when I buy my house. YAY! Life is good! Quote Share this post Link to post Share on other sites
jumper03 0 #11 March 22, 2006 3 1/2 more years and I'll be out..... student loans and divorce got me. I can see the light though Scars remind us that the past is real Quote Share this post Link to post Share on other sites
monkycndo 0 #12 March 22, 2006 The only debt I had was buying my new truck 15 years ago. Don't own a house so nada there. I spend only what I can fully pay off at the end of each month. I let the credit card company float me a loan until then. I'm pretty frugal by nature, so I have pretty low costs, other than skydiving.50 donations so far. Give it a try. You know you want to spank it Jump an Infinity Quote Share this post Link to post Share on other sites
chaoskitty 0 #13 March 22, 2006 But doesnt that hurt your credit, to have too many revolving accounts open? I think I'm going to transfer the balance of one credit card to my ugly one, and dive in to that. Use my amex for business expenses only. Then I'd just have one credit card with a balance, plus my truck loan. Close all dept store cards. And quit being so freakin generous with my friends who dont make as much money. I dont know why I do that. Quote Share this post Link to post Share on other sites
briguy 0 #14 March 22, 2006 this thread and the diet thread have much in common. don't regularly spend more than you make, don't regularly eat more calories than you burn. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Quote Share this post Link to post Share on other sites
Taylor610 0 #15 March 22, 2006 I am not, however I am working on it. There are a number of different plans you can use, but the one that my wife and I have based our plan on we got using Crown Financial Ministries. Yeah I know, I am going to get flamed for suggesting a Christian based organization, but hey, they are non profit, you can get pretty much everything you need off of their web site and it works... [url]www.crown.org Quote Share this post Link to post Share on other sites
chaoskitty 0 #16 March 22, 2006 Quotethis thread and the diet thread have much in common. don't regularly spend more than you make, don't regularly eat more calories than you burn. Oh so now I'm in debt AND I'm fat.. GREAT! Quote Share this post Link to post Share on other sites
PhreeZone 20 #17 March 22, 2006 Tell me the secret too. Once you buy a house you are in debt for the next 30 years it seems. Renting was so much cheaper of a livestyle, but I'd never go back to it. I LOVE owning a house more.Yesterday is history And tomorrow is a mystery Parachutemanuals.com Quote Share this post Link to post Share on other sites
FIREFLYR 0 #18 March 22, 2006 Don't get there in the first place If it's not in my pocket, I don't spend it. If you have a Credit card, only spend what's already in the bank..... ~J"One flew East,and one flew West..............one flew over the cuckoo's nest" "There's absolutely no excuse for the way I'm about to act" Quote Share this post Link to post Share on other sites
gmanpilot 0 #19 March 22, 2006 Unless it's a house or an airplane, I can only get it if I can pay cash for it then and there, including vehicles._________________________________________ -There's always free cheese in a mouse trap. Quote Share this post Link to post Share on other sites
PLFXpert 0 #20 March 22, 2006 I was raised on "don't spend it 'til you have it". I learned what this meant in college---knowing I'd have a deposit in the bank on Friday, I'd write a check on Thursday thinking it wouldn't clear until Friday....WRONG! I did this 2 or 3 times before I really learned what "Don't spend it 'til you have it" really meant---it means even if you know for sure, 100%, that money is coming don't spend it until it's in the bank and cleared. Shit happens. B/c shit happens, you have to save for it. Before I paid off my last debt from college (student loan) I made sure I had X amount in the bank liquid for emergencies. When you own a house, emergencies can cost thousands of dollars. If you don't have it, some people go into debt over it. So I'll be prepared. Other than my house (mortgage) I am debt-free.Paint me in a corner, but my color comes back. Quote Share this post Link to post Share on other sites
JENNR8R 0 #21 March 22, 2006 Quotethis thread and the diet thread have much in common. don't regularly spend more than you make, don't regularly eat more calories than you burn. And just like dieting, different methods of getting rid of debt work for different people. The following is a website that may prove to be helpful to those looking for guidance. He has helped many people: http://www.daveramsey.com/What do you call a beautiful, sunny day that comes after two cloudy, rainy ones? -- Monday. Quote Share this post Link to post Share on other sites
monkycndo 0 #22 March 22, 2006 Kitty, be careful which cards you close. Keep the one you have had the longest, even if you never use it. This card helps determine your credit rating. If you close accounts, make sure to have the card companies identify that the accounts were closed by cardmember request. If a lot of cards are closed at the same time without this notation, it can hurt your rating.50 donations so far. Give it a try. You know you want to spank it Jump an Infinity Quote Share this post Link to post Share on other sites
MikeForsythe 0 #23 March 22, 2006 Quote How did you do it?Did well in the stock market in the 80's. Time and pressure will always show you who a person really is! Quote Share this post Link to post Share on other sites
swedishcelt 0 #24 March 22, 2006 QuoteQuotethis thread and the diet thread have much in common. don't regularly spend more than you make, don't regularly eat more calories than you burn. Oh so now I'm in debt AND I'm fat.. GREAT! It's wonderful how life is so simple for some people. Quote Share this post Link to post Share on other sites
bmcd308 0 #25 March 22, 2006 I have a mortgage and that is it. ---------------------------------- www.jumpelvis.com Quote Share this post Link to post Share on other sites
