LOL ask and you shall receive. I have 3 cards with $6 k combined credit and debt on them.
My success is owning up to the fact that these indeed HAVE TO BE PAID OFF. My part time job doing fast food wasn't good enough. So I picked up another job at a factory. Worst feeling ever waking up and working 16 hrs and coming home almost every day.
About 4 months of working (2 months with both jobs) I am now Just $934 in debt, in which March 16th is the day I am officially $246 in the green.
Keep in mind I'm not feeding off my parents either. I walked to work, yes about 12 km of walking each day working 16 hours. I lost 30lbs too and built muscle. I payed rent and was forced to save $400 a month into an untouchable account too. So I was definitely feeling the burn in this lesson.
What should I do now that I'll be out of debt? My plan is this:
Savings - Forced $400.00
Fun / Things I need $72.70
ING RSP $350.00 (max out contributions for my tax bracket - Canadian by the way)
ING Direct Regular Savings $500.00
Emergency Fund $100.00
... CHANGING THIS TO
ING RSP $100.00
ING Direct $650.00
Emergency Fund $200.00
Sound good for a while?[/quote]