Online tools to help you get out of debt

There are several debt tools online you can use to help you get out of debt. I have tried a few of them but never followed threw not saying they are not good tools.  Just that I am the type of person that gives up to soon this is why I am still in debt I want fast results and I should know by now that just is not going to happen.


Snowball Calculator


This is the first debt tool I started using, it requires a lot of input from you, because you have to enter all your information in the snowball calculator, this includes amount you owe interest rates and so on, you decide how much money you can put toward your dept each month. Then it tells you what bills to pay how much and when you will have them paid off.


Ready for zero

I like ready for zero for a debt tool it is easy to use.  They have it set up to where you find your creditor from there list enter your user name and password from that creditor then it uploads how much you how your payment amount and when the payments are due.  You tell it how much you can pay each month and them the debt calculator gives you a date that it will be paid off, or you can put in a date and it tells you how much to pay in order for you to have bill's paid off by that date.  They have updated there site and added some new features plus now the have an app for your phone so you can keep track of your progress.

Payoff.com

I just signed up for payoff.com debt tool site not long ago so I don't know anything about it really it looks close to ready for zero in that you can link all your account this includes your checking account and set goals.  They also have payoff insights you spending snapshot and a page that tells you about ways to make some extra money.



When I come across any other debt tools I find I will also share them on here, in the mean time if anyone has found a debt tool they used and liked please share so that I can check it out.

Cutting back expenses to get out of debt

I want to talk about cutting back expenses, to help people get out of debt and how I feel about it.  Then later I will post things I am willing to cut back on.

Cancelling cable tv or internet service

On all the sites I have read about how to get out of debt they tell you to cancel your cable TV and you internet service.  This is not an option for me and I would think for most people its not.  The reason it's not an option for me to cancel these services it because of the way we live now days you have to have cable tv in order to even watch basic television that's just all there is to it, now maybe cutting back to the basic package could help save money but cancelling it no.

Turning off internet to help have extra money for paying off debt would turn us off from the world, everything is done over the computer now day's.  We pay our bills, have to have email accounts, our children need it for school, if you need anything from any company most of the time they tell you to go to their web  page to find the info. So this is another no go for saving money as far as I am concerned.

Couponing to be debt free

I know there is a lot of money to be saved for debt when it comes to coupon's, my only problem is where do you find these coupon's every site I look at has coupon's for things I don't even use.  Most are not for food and if they are I can buy an off brand and save more money.  I will be looking into this more, because I would love to only spend $30.00 and over $100.00 worth of groceries wouldn't you.  If this is possible it would be a very good way to help pay off some debt.

Riding the bus or carpooling 

I read an article the other day where someone said they paid of there debt by riding the bus, they had to use a lot of gas in oder to save the kind of money riding the bus.

Again this is not something me nor my husband could do, he has to work in a different location everyday, my job is less than 2 miles away.  And I am sure for a lot of people they are not on a bus line or have people to carpool with not only that but if you have children you want a car with you at you job just in case something happens with them and you have to go get them. 

In conclusion all of these suggestions that I have read about saving money to help pay off debt, does not help me trying to do any of these would be like me canceling my car insurance to save some money heck yea it would save me a bunch but as soon as I cancelled it I would end up in an accident and need it or get pulled over and not have it then I would have to pay a big fine.  Don't go an cancel you car insurance just trying to make a point here that in the long run it would hurt us instead of help us.

Tell me something good

So could someone please tell me some for real ways to save money to pay off debt other then the thing's that most people just can not do.  If you know of any please share in the comments.

FIRST STEP IN GETTING OUT OF DEBT

So I know there are a lot of sites that tell you how to get out of debt and they are all informative, but with that being said I that every situation if different and what works for me might not work for you.  That's why I would like others to share what they are doing or what they did to get out of debt.  Maybe we can take a piece of advice for a lot of different people about what is working or worked for them and but it together to come up with what will work best for us.

What I plan on doing first to get out of debt

This is not going to sound like much but I owe $160.00 for a loan I got 5yrs ago that I am going to pay off this weekend, the loan was for replacement windows and getting this last payment to them has been real hard for me I am over 30 day's late on it.  They have been surprisingly nice about it and that I am thankful for nothing like dealing with angry collectors.  Paying them off will give me $130.00 extra a month.

Getting caught up on my debt

I can't start paying off my debt until I get caught up on the bills I am behind on,  I am not that far behind so hopefully I will have this none on or around 8/15/12.  Then I am one house payment behind plus I owe the IRS around $400.00.  I will probably pay off the IRS first you don't want to mess with them guys.  Then I will get my mortgage caught up.  After that is all said and done,  I will set done with all my credit card bills and figure out which one I am going to pay off first.

That's my start for paying off debt

Well this is the start of my plan I am really looking forward to getting this ball rolling,  And behind me so that I can start helping others and do something useful with my money instead of giving it all to my creditors.

P.s
I also will have another loan paid off 9/15/12 that comes out of my paycheck so that will be around $140.00 extra a month.

WAYS I HAVE TRIED TO MAKE EXTRA MONEY

I have tried many and I do mean many things to make extra money in order to try to pay off my debt.  So far non of them have worked.

On line survey sites

I have join A LOT of on line survey sites, my e-mail had 3000 e-mail's right now from then all.  I did make some money from doing surveys, but it is real time consuming and you are working for pennies an hour.  The site I liked the most was mypoints, you read e-mail, take surveys, surf the web and even shop you earn points then cash out for gift cards.  I liked doing this then using the gift cards for Christmas gifts.  I made a blog Paying survey sites for free with all the survey sites I have found liste on it because to many company's charge you for this information and I want to make it available for free.  Take a look at the list it's long although taking surveys are not for me anymore they might be for you.

On line jobs

I have tried to fine a job on line doing stuff at home after I get off my day job, in order to help pay off debt.  And just about everything I came across they wanted to charge me.  I am sorry but if I am working for someone way do I need to pay them, this just don't make good sense to me.  Some of the jobs I found did seem legit I sent in app's took on line test and well I didn't pass so that didn't work out to well for me.  The only way you can find a good job on line is if you know how to design web sites, computer programming, medical transcription, if you are a good writer or if you know a lot about Microsoft excel and Microsoft's other programs.

Blogging to pay off debt

I have also done the blogging thing for awhile now, and well I have had not much luck at it either but here I am again starting another one.  Oh well you know what they say if at first you don't succeed try try try again.  I have seen a lot of stories where people say that they make a living off of blogging I should would like to know how they do it.

Selling stuff on ebay

This is what I am trying now,  I have not been doing it for long so I have not really made any money at it either.  I did sale 3 things last week and I was so excited I about peed on myself lol.  The thing with ebay is that there is a lot of people selling the same thing you are so you want to price it lower than them.  Plus you have to build a seller's reputation, because people buy faster from others that have been doing it for awhile and thats going to be hard for me to do.  But ebay is another thing I have seen a lot of people say that they make a living of if.  Again I wish they would tell me their secret.

Part time job to pay off debt

I have but in a view application's for a second job but have had not calls.  I have been at my job for over 23 years and I just don't think people want to hire someone that has a permanent job because they know they will come second.  Plus If I got a part time job that would take be away from my family and I don't think that would be far to them.  I would never be home to help with the home work cleaning the house plus where would I find the time to pay those bills I am trying to pay off ha ha.

So tell me what have you done or tried to do to make some extra money in order to pay off your credit card debt?

  

How did I get myself in this mess


I am a real person, with real debt

I want to let it all out here on this blog, this is going to be kind of like a journal for me just to write about my journey on the road to debt.  And the road I will be taking to get out of debt I know its not going to be easy but I also know that where there is a well there is away.

There are a lot of people out there that make up stories to get hand out's and I want to prove that I am a real person just trying to get ahead in this thing we call life.  I do not get help from the government or any other type of agency, I am that middle class gal that just don't qualify for government assistance.  I have a full time job I have been at for over 23 years a husband that works full time also.  I have 2 children and a grandson that live with me.

What credit card debt has done to me

One of the things I am oh so sick of is not being about to buy for my children the things they really need, my 14yr old needs braces she won't even smile because she in embarrassed to show her teeth.  She is such a pretty girl that this breaks my heart and makes me feel like a bad mother.  My other daughter works goes to school plus takes care of her child.  I hate it that she can not go to school full time and not work but I just can not support her and her child right now. 

I am not trying to make people feel sorry for me I know there are way more people that have it way worse than I could ever dream of.  And that's the point I want to help those people.  I am making a promise to myself to you the reader and to God that if and when I get out of this mess I am going to help others in need.

How I got into credit card debt

I got into this mess I would say just like everyone else by using the credit cards to pay for Christmas gifts, Birthdays, Vacations, home improvements, medical expenses that bill that was due and so on.  Then one day its like holy cow what the heck happened all my money is gong to credit card bills.  And you are only paying the minimum payment and so starts the rat race running on that wheel and getting no where.  

Please share with me your adventures of getting into debt and if you are one of the lucky ones that has jumped of the hamster wheel please share your story also.

 

My goal to be debt free

It is my goal to pay off my credit card debt.  But like so many people I don't know where to start.  So I am starting this blog in the hopes that others will contribute to my goal.  And maybe some can also learn from my mistakes and take the journey with me to become dept free.

How I plan on getting out of debt

I want to be able to get in the position where I can help others, and as long as I keep doing what I am doing I will never get to that point in my life. I am going to search every avenue I can until my goal is reached.  And I am gong to share it all here on this blog if it don't work for me it might work for you.

After my debt is paid off by others helping and of course by me doing my best on my own coming up with my own resources to pay down my dept, in no means do I want a free ride I got myself here and I plan on getting myself in a better place. Then I can help someone else pay off theirs wouldn't that be great.  Lets say if we could find 30.000 people on the web to donate $1.00 or more, my debt would be gone all but my house mortgage that is.  But heck I would not care I would feel like I was a millionaire if all I had to pay was my house payment and utilities.

I am not begging if you want to give please do if you want to follow my journey follow.  I am going to share everything I do, to try to get out of dept even how I got here I am going to let it all out.  I am going to share resources that I come across trying to get out of dept.  Whatever it takes to help me and others.  If you have a story please share.  Maybe we can all help each other.

I don't want this to be a formal blog I want it to be more like a community where everyone has one of two goals to get out of dept or to help others get out of debt.  I have both of these goals but first I have to get out of dept in order to help others. So please take this road to become dept free with me or join in the fight to help people become financially independent lets stop being the victims to banks.