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get out of debt

 
What's your take? (click here)

ricardog  

Your credit report

It has been awhile since I’ve written something but I know I’ve been thinking of you and wondering how your year is going so far. Are you saving money, paying bills down and working hard to get the money that you need? Are you selling things you no longer need or are you just stop buying until your money gets fixed? Whatever you are doing, I hope you are doing it for yourself and not others.

Credit report, have you ever thought about your credit report. Why have one? Or what is it about? I have, I’ve been spending the first part of this year looking at my money and I have started questioning what is a credit report is.

So I did what everyone is normally suppose to do, get a report and look and see what I have. All the normal things you are supposed to do on a yearly basis. But what is a credit report? So I asked the experts, what is a credit report?

This is what I found out. A credit report is a report that shows if you have a history of good or bad credit. This is a way that it can be determined if you are credit worthy. But then I asked the experts, you are telling me to get out of debt that means I will not have any credit, then why do I need a credit report? A credit report, reports all credit but if I don’t have any credit and I’m out of debt. Then why have one? They really could not answer the question.

So I went to a financial workshop and seminar that was being hosted by a big financial company here locally. I went through the class and then I asked the trainer the same question. He could not come up with a good answer.

So we are suppose to have a good credit report and have credit on the report that means that I have to stay in debt, right?

That brings the question to my mind, why have a credit report? So I ask my banker, a financial lawyer and a CPA. All of them said to me, that if you are debt free, you do not need one. But 90% of the USA society depends on it because they depend on credit to survive.

So how hard are you working to get out of debt? How hard are you one of those people who do not have debt? Can you really survive on cash and nothing else?

I know I’m probably have woke up some emotions by talking about this but I found that it’s important to you and me that we need to free ourselves from debt and bring our life to a cash only basis. Of course, it easier said then done. But I guess what I’m really trying to do here to help you think before you dive into a pool a debt again. Don’t, don’t put yourself in the hold of debt again and stop it now. You are worth being a cash person then a debt person. I know you can do it.
reply to ricardog
ricardog  

Do you Believe

Do you believe?

 

I decided to take a break from life yesterday and I went to go see, “Alice in Wonderland”, in 3D. It was a great movie with a message to it and the message that I picked up was, Do You Believe?

 

So as I was driving home, and I was thinking. How do I incorporate this message to my life? What do I need to do to put this question in my life to make it better? I did some thinking?

 

Do I believe that I will get out of debt? Do I believe that I will have more money in my pocket? Do I believe that I will own a home? Do I believe that I will have good opportunities or a better job? Do I believe that things will get better without me stressing over anything? Do I believe?

 

The message was a strong and it hit a nerve, a nerve of the path that I did not believe in these above things and it made me wonder the many reasons I can’t get out of what I’m in is because I don’t believe. I don’t believe that things will get better, or I get a greater job, or have more money into my life. It’s because I just don’t believe.

 

Because of me thinking that way, it has put a stop to all better things coming into my life and I see why things are getting worse. It is said, that those who believe the worse will get the worse. Those who believe for the better, get what they want.

 

As Alice fought the dragon and she said to herself is believe. And by her doing this, she did and went to killing the dragon. All Alice needed to do is believe that she will conquer all. By killing the dragon it showed her the courage that she had in her and she went back to the real world and told all people around her that she believe and she conquered.

 

So do you believe?

 

 

reply to ricardog
live for my kids   in reply to SysBot   on

Aidpage group discussing "get out of debt"...

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ricardog  

Take it one bill at a time

Everyone is swamped now a day with worry of how to pay for everything. We are being pressured to make sure it’s paid on time or we have to get it paid off now or soon. But if you are late and have notices and threats and collection calls. The pressure in that alone will drive you crazy. Don’t let it. Take it one bill at a time.

 

I’ve learned and by speaking to a lot of people about bill collections or threats, that you must take it one bill at a time. Don’t worry about getting them all the bill paid at once. Put all the money in one bill and it will pay off quickly and then you can work on the next bill. Because when you are late, you are late. So be it. 

 

The best advice I’ve ever gotten from someone deep in debt. Why pay them all at once, just take all the money and pay that bill and get it out of the way and then pay for the next one and so forth and so on. Your late, your late. He would get tons of call from all collection companies but the pressure was making him lose sleep, be worried and make another wrong step in life.

 

But one day, when he decided to take it one bill at a time, it all worked out fast. Out of the 15 bills that he was behind in. He had them all paid off within 18 months, all of them. He fought, and yelled and screamed and told them, it will get paid when money comes in. As he did that, he would pay the bill and pay it off and then go to the next one. It was getting to the point where, he was in control not the bill collector.

 

At this time, he works a full time job and a part-time job. Because of all the hard work he did to get himself out of debt. He wants to reward him self by taking a trip to Europe next year. So he is saving every penny he can find and is telling himself, that he did good and he is worth it.

 

So if you struggling and don’t know what to do and you can’t find where to go next. Just take it one bill at a time or one step at a time. Step back, take a deep breath and just put all the bills in order of how you want to pay them off and work on it. In the mean time, take your frustration out on your bill collection company and yell back. Work hard and you will see your victory soon.  

reply to ricardog
Rosie327  

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reply to Rosie327
basham91  

About basham91

Ok' I am feeling very lost!!!  I have been a stay at home mom for 16 years and now I need to go to work to help my husband out.  I have no skills, and nobody wants you because no job history.  My husband and I are so broke and I don't know where to turn.  I can't even go back to school because my husband has to many student loans and we have deferred them so many time.  I am so scared I screwed up my 3 boys education because how will they get to go to college if  I can't help them out???  I need help finding a internet job.  I have so much debt and I feel like I am drowning and I can't help myself.  If anybody could help me please.   

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shauntesmalls247  

Comment: I'm trying to a grant as soon...

Note: This aidpage was started as a comment on "personal grant to pay bills"

I'm trying to a grant as soon as possible. I have a product I would like to get on the market that is patented already. I am a single mother of 5, with ambition to become a very successful individual to later venture out and do bigger things as in buying and selling houses. I am a poet as well, currently work on my first book. I am a business minded individual with my degree in Business. I would appreciate to support that is granted to me, because at this point in my life, I need a push/support due to very big financial crisis. bearly get by, check to check. Thank You for your time and consideration. My number is 347-621-4219 e-mail: www.shauntesmalls247@hotmail.c om
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Deb65  

Comment: I am trying to get a grant...

Note: This aidpage was started as a comment on "personal grant to pay bills"

I am trying to get a grant to pay off all my bills.I have bad credit so I can't get a loan anywhere. Any legit help is appreciated.Deb V.
reply to Deb65
GISELLY  

Comment: hi i'm a single mom and my...

Note: This aidpage was started as a comment on "personal grant to pay bills"

hi i'm a single mom and my olderst daughter have lupus,she is 21,she can't go to work because her illness,i used to live with this wich i trusted,one day he decide to leave me for drugs,now i'm in situation, i have to pay my rent,i'm late already,1.800.00 my land lady already gave the 3 days notice,also i'm sick,last month i had 2 surgery's in my right kidney, if someone out there can help me i really apprciate,if so you can e-mail me at taniasouto143@yahoo.com , i'm so scare to be in the streets...
reply to GISELLY
jackie5  

Comment: DOES ANYONE KNOW OF LEGIMATE...

Note: This aidpage was started as a comment on "personal grant to pay bills"

DOES ANYONE KNOW OF LEGIMATE GRANT WRITERS FOR INDIVIDUAL PURPOSES LIKE PAYING MORTGAGE/HOME REPAIRS?? ALSO IS COMMON TO PAY FEES UP FRONT AFTER THE GRANT HAS BEEN AWARDED
reply to jackie5
shantei  

Help for single mom & family

I am searching for funds to consolidate bills, pay back rent , live, eat, etc.  I fell behind after borrowing much from many to pay off the rising heat, utilities and rent payments-- my fiancee was out of work for over a a year and his half was not available.  I surved a year without it by now I am drowoning.  He will start back to work soon but in the mean time, I am about to lose my mind.  Can't sleep for worry-- I pray for an answer soon.  I am not looking for hand out just for a step up.  I can pay back as I do have a job -- I am looking for
15,000.00 .  I can pay completely back in 5 years at (approx.) $357 per month. May be able to pay off sooner.  I have three moneymaking websites but can't afford advertising-- please visit at your convenience and tell others.  PCIInternational.com.  gaismit.com,  privatecollectint.com --picked up these websites hoping for the best---please  help......

reply to shantei
shantei  

Comment: Looking for Free Grants, Non...

Note: This aidpage was started as a comment on "Help Me, Help You, Help others, I NEED the cash real bad!"

Looking for Free Grants, Non Profit Organizations , womans organizations that will provide financial assistance or a step up --Losing my mind with worry over debt -- Lieve in New Jerse plese help
reply to shantei
oldsmarpooh  

DESPERATE

I am a single mom of 2.  I have been really sick lately and have not been able to work.  I am about to be evicted.  I have no idea of where to go or what to do.  My water is getting shut off tomorrow, May 17, 2006.  Please if someone knows where or what I can do, please advise .  Thank you soulight.

reply to oldsmarpooh
Seious  

Comment: I know there are some people...

Note: This aidpage was started as a comment on "personal grant to pay bills"

I know there are some people who are just greedy & wants to "live like the Jones", but I just want to pay my past due & current bills. My mom use to tell me when I was younger, "Always pay your bills on time.", "Credit cards are NOT free.", "Bad credit is easy to fall into, but hard to climb out of." - I heard many more quotes from my mom, but I was young & silly, then. I wish I would've listened. Now, I'm struggling so hard to catch up on my bills & debt. I've applied for loans to pay my debts & past due bills, but "DENIED" was the main word I heard in the response letters, no matter how 'nice' the letter was written. I never would've thought I would have BAD CREDIT & have financial problems. I've learned my lesson & trying to get my credit back to goodstanding condition. If anyone could help me do that, I would greatly appreciate it.
reply to Seious
MEERO  

Comment: COLUMBUS OHIO GUY LOOKING...

Note: This aidpage was started as a comment on "personal grant to pay bills"

COLUMBUS OHIO GUY LOOKING 4 GRANT TO BUY A NEW CAR AND PAY STUDENT LOAD EMAIL ME PENALCODE594@MAIL.COM
reply to MEERO
MEERO  

Comment: COLUMBUS OHIO GUY LOOKING...

Note: This aidpage was started as a comment on "personal grant to pay bills"

COLUMBUS OHIO GUY LOOKING 4 GRANT TO BUY A NEW CAR AND PAY STUDENT LOAD EMAIL ME PENALCODE594@MAIL.COM
reply to MEERO
swampy  

Comment: im 35 male going through divorce...

Note: This aidpage was started as a comment on "personal grant to pay bills"

im 35 male going through divorce gave wife everything i am working 6 days a week im sleeping at job i need help geting on my feet to get me a place to stay
reply to swampy
Gerrad  

i need financial help so i can go to school

 Hi my name is gerrad 21 and i work at one of americas largest waterparks in wisconsin. Ive just got a job opertunity to move to west vergina and run maintenance there but im $17,000 in debt and cant to aford to go to school so any help would be nice.

reply to Gerrad
darrin  

personal grant to pay bills

credit card bills start a small buisnes

reply to darrin