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It's all about what works...what really works...for you

November 26th, 2009 at 04:45 am

I was around quite a bit three years ago and was very active on the message board and less so in blogging. Since my return, I've noticed the message boards seem to be all about...how shall I say this nicely...tough love? And the blogs seem to be all about support. I keep telling myself, hey, I paid down $27,000 in debt. Yes, my original goal was to do so in one year's time. Did I manage my goal? Um...no. Was it because my plan was faulty? No...it was because I was naive, idealistic, unrealistic and in my rose colored world there were no broken down washers, kid's school expenses, or doctor's visits. Would I advise someone else to keep a $100 balance in their checking account while throwing every spare cent at the credit cards without any type of savings at all? No I would not. But did it work for me? Apparently so.

I'm struggling to pay for Christmas right now without putting money on the credit cards. I know the words "I'm struggling to pay for Christmas" sends chills down spines, tears to some eyes and breaks the hearts of the tender hearted who care very deeply about the children. Then there are those, and rightfully so, who don't care a bit if someone can't afford Christmas because it's about the spirit of the holiday. But for me, "I'm struggling to pay for Christmas" is really just me complaining. We'll get through the holiday, some of it will have to go on the card, but we're expecting a large reimbursement check next month that will cover it. It will, hopefully, be the last time we're looking backwards.

In any case, I'm proud of what we've done. We're at point 0 right now, surface level, and the waves are gently making it a struggle. But there are no rip tides in sight.

10 Responses to “It's all about what works...what really works...for you”

  1. Apprentice Bliss Hunter Says:

    I think you both have done a great job getting out of debt.

  2. lizajane Says:

    Let me be the first to congratulate you. I don't care how long it took, 27K is a huge accomplishment! Congratulations!!

  3. mjrube94 Says:

    I love that the bloggers here are totally supportive! It doesn't matter if you're posting a success or asking for advice on a problem, you can always count on a few responses that set just the right tone.

  4. wowitsawonderfullife Says:

    I am awed by what you did. Congratulations!

  5. Ima saver Says:

    You did a great job and we are all proud of you!

  6. buddy Says:

    Thanks for your realistic and compassionate point of view.

  7. Broken Arrow Says:

    The forum doesn't strike me as a warm and cuddly place anymore. Not to say it's a bad place to be, especially if you're looking for some critical feedback into an issue.

    But the blogs is where I also fall back to when I just want to relax, loosen up, and be a little more personal.

    I think you did just fine. Congrats on paying off all that debt!

  8. Kris10leigh Says:

    It wasn't always like that. I'm not looking for warm and fuzzy all the time, but a little tolerance for different perspectives would be nice. If there was a one size fits all for getting out of debt, wouldn't we all be there?

    But, you guys are wonderful. The blogs are a nice place to be.

  9. Jerry Says:

    Hey, 27 grand is a serious chunk of debt, and that HAS to lead to some satisfaction! If it doesn't, then you're listening to the little devil on the wrong shoulder who's trying to diminish your accomplishments. Most people who are in that much debt are heading in the opposite direction, and have no insurance whatsoever that they will be able to emerge from it! Look at the actor Nick Cage, for crying out loud. The guy had millions, spent money like an idiot, and now is broke. You are NOT Nicholas Cage! That is so awesome. =)
    Jerry

  10. Broken Arrow Says:

    Yeah, I kind of miss the forum being supportive. I'm likely to be part of the fault though, for being more technical there. But I do try my very best not to be too critical.

    Maybe that's the inevitable nature of the forums though.... Because that's the place where people can ask questions to get feedback, whereas blogs are not an ideal platform for it I don't think.

    And when people ask a question, you tend to want to be helpful and give the best answer possible. So, that's why I end up being more technical.

    But I think it's also easy sometimes, to fall into that holier-than-thou trap that way, because a lot of times when people ask questions, you can also tell that they're struggling with finances. Well, I haven't forgotten what it's like to struggle. In fact, in many ways, I'm still struggling. So, I try my best not to give people a hard time.

    I think the people there is also a lot of new guys there who are... maybe they're trying to prove themselves or something. I don't know. But if you'll notice, some of the criticisms weren't made by the regulars.

    Anyways, just rambling.

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