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And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school. There are few job markets that are hiring right now but I do know the medical field is fairly solid right now. A transmission could go out, an out of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick.
I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach. DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
I would pull a credit report to what you have going on. I know TransUnion allows one free one per year, at least they use to… Link to the Ramsey website: Horney ladies ready international dating sites.
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Things get hectic, sure. Overall, though, it's manageable and I have the knowledge needed to keep it that way. It really started me thinking about what the REAL problem might be.
I think it's life in general. Like a lot of I'm sick to death of working, paying the bills and seeming to be increasingly further in the proverbial hole. I saw a report that concluded we "middle class" folk were more able to afford the necessities when minimum wage was 25 cents. Since a very age I've had at least 2 jobs. Needless to say, friends, lovers and hobbies have been crushed under the wheel of the Almighty Dollar.
Yesterday I chastised the for missing out on the one hour their best had that day to spend time with them. They said they couldn't talk or do anything because they had to finish their chores. I applauded their work ethic but the thought of them getting in the habit of putting their interests and friends AFTER their jobs really made me upset and made me think I'm not a great role model.
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