August 7th, 2007 | 
Author: 
LINDSEY S asked:
we are trying to get ourselves out of debt but we only seem to be digging ourselves a deeper hole. we have tried to cut back on spending but it seams that something comes up everymonth. for example last month my bf had his company computer stollen and the expenses department wouldn’t cover it. we do pay our bills and credit cards and don’t use unless we have to. my bf doesn’t want a loan and doesn’t want to ask my parents for money since they are paying for most of my sisters wedding. does any one have any tips on how to consolidate or at least start to dig ourselves out of this?
my bf has bad credit. and can get a line of credit at the moment. i don’t belive myself in haing credit cards.
we had a line of credit but the bank took it away BY ACCIDENT and we can’t get it back.
Benjamin
we are trying to get ourselves out of debt but we only seem to be digging ourselves a deeper hole. we have tried to cut back on spending but it seams that something comes up everymonth. for example last month my bf had his company computer stollen and the expenses department wouldn’t cover it. we do pay our bills and credit cards and don’t use unless we have to. my bf doesn’t want a loan and doesn’t want to ask my parents for money since they are paying for most of my sisters wedding. does any one have any tips on how to consolidate or at least start to dig ourselves out of this?
my bf has bad credit. and can get a line of credit at the moment. i don’t belive myself in haing credit cards.
we had a line of credit but the bank took it away BY ACCIDENT and we can’t get it back.
Benjamin
Posted in Personal Finance | 
Tags: Bad Credit, Bf, Company Computer, Credit Cards, Money, Parents, Personal Debt, Seams, Stollen
I would look at all the interest you are paying on your debt first of all. After you figure out what interest rates you are paying I would see if you can get either a line of credit or credit card at a lower rate. If you can do that combine all your debt into one place and set a goal for when you want to have it paid off by. When you set a goal there is an end of debt in sight and that helps keep your spending in check!
for six months you live on needs not wants == internet cable cell phones go away — if public transportation is available you use it — take the extra mony and get out of debt!!!!