Quote Originally Posted by BanginJimmy
Couple things I did when I screwed mine up and got in a bunch of debt.

1. Personal loan and consolidated all my debt into 1 payment that was less than just the combined minimum payments.

2. keep all the accounts open and use a different one every month for gas and emergencies ONLY. And no, a night on the town is not an emergency. Also make sure you pay it compeltely off every month.

3. Live with basics only. Yes it sucks, but I found the easiest way to do it was to find something you enjoy doing for long periods of time and doing those things. I got a library card and read every book in the place that was even minorly entertaining. I also made an exception and kept my cable internet and played online games.

4. No fast food. You can feed yourself 3 solid meals a day for 7 days on what you would spend on 5 days of lunch only.


1, and 2 will help you to put your credit back together and keep more cash in your pocket.

3 and 4 are just to keep moe cash in your pocket which will also allow you to pay the debt down quicker which, in turn, will get your credit back together quicker.
1. i only have a car payment which is why i got rid of my CC to reduce my bills

2. i am definitely considering this. as soon as an american express card makes it in my mailbox, i'm signing up.

3. i've lived with basics, except this month...i spent like a mofo on parts needed and wanted

4. i've been trying..but..it hasnt worked out too well..i'm always on the run during lunch time. yesterday was the first time i've eatin home in two weeks for lunch

all i have now is rent/insurance/car payment/phone payment