Debt

[levettepough]

Can someone please share with me how to get out of debt. I am robbing Peter to pay Paul.

[nmbrown863]

Gosh I wish I knew. I am in the same boat. But slowly, very very slowly, I'm getting it paid off. Just feels like it is taking forever.

[dreamyxo]

Make more money or stop spending.

[tjung10]

Win the lottery?

[ktheodos]

Dedication, sacrifice, hard work, discipline, delayed gratification, and some good luck

[squirrelgirl44]

I am in the same boat as you are. My boyfriend of 4 years moved out about 5 months ago and I am really hurting without his contributions to expenses. I am barely getting by on my paycheck. So frustrating!!!

[oldbuddy]

You just need to learn that DEBT has no feelings or sympathy, it rewards those who extend it and punishes those who abuse it. Once you REALLY understand that, it's easy to pick your side and stay there. It's called willpower.

[cwillard1]

Yep listen to oldbuddy.  Has taked me many many years to realize this fact and I am old now and tired of dealing with pay day to pay day.  CUT UP THOSE CARDS.    I started dealing in cash it is amazing how I stop now and ask do you really need this or is it I want it???   I hope this helps and I know it takes a while a long while but you can do it.   

[potluck6]

If it is credit card debt you can file for bankruptcy.Years ago we filed and all debts were gone. nice to have a clean start.new rules now but still pretty easy.look into it if you want.

[sdenimandlace1]

Cash only is a good rule.

[lucky382001]

Can someone please share with me how to get out of debt. I am robbing Peter to pay Paul.

Then I hope Paul is worth it.     

The secret of course is to live beneath your means.  That doesn't mean it is easy to do though.  You have to be aware of where your money goes and why and it helps to write down everything you spend for awhile to help you become aware of it.  It is easier to help people before they get in debt. A lotof usare in the same boat.

[hawkeye3210]

I'd start by looking at how you are spending your money currently. If you can cut out some unnecessary expenses, you can use that to help pay off some debts. Also look into a part time job to help.

[jcalexis]

  I used my tax returns to pay off my credit card debts. It took me about three years to pay them off with my tax return. I made the sacrifice. It paid off. Now, I am credit card debt free.

[jmc1982]

I am on the same boat.  I have been doing it slowly by spending less. Stopped going out and shopping. So far has worked for me.  It seems like its taking forever.  Also making a little income wont hurt.  I make it by all the survey sites i participate in 

[camellia0]

1. get a second job.
2.cut out on stuff. If you don't have a cell and a house phone, cut back. only buy stuff you need and don't eat out.