Back to it!

After a while away, I am returning to what I love to do:  I love to write about things and want to share my struggles and successes in getting my financial life back to where it belongs.  I started out over three years ago with 11 credit cards, over $60,000 in debt and seemingly no way out of the bad situation in which I had gotten myself.  Fast forward to now and the situation is not great, but it is definitely better than what it was.

I am down to roughly $37,000 in debt (I am rounding off the numbers) and only three cards.  The smallest is less than $2,100 and will be paid off in full by the end of 2013.  This was negotiated for a monthly payment and no interest so as to not further myself in debt in the process.  The second one was dismissed with prejudice by the circuit court as the company dropped the case (although they could retry suing me for the $6,000).  The other big one (for over $28,000) stands unpaid and uncollected and is currently awaiting my summons being served. Once it is, I will get my attorney to fight it for me as I have yet to receive valid proof that this debt is mine. 

My lifestyle has changed dramatically as I have largely forgone eating out (cooking at home save a ton of money), going to movies, wasting money on trivial things, and I drive an 18-year old car that is owned outright. 

I want everybody to know that nothing is impossible and can be done with determination and a plan.  Stick with me and the plan that I am using will be brought to life.

Have a great day!