tag:blogger.com,1999:blog-3866351701112175561.post1076810198179848920..comments2023-09-30T06:38:17.800-06:00Comments on I Owe so Much: Surprised againUnknownnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-3866351701112175561.post-36735348369181374092010-04-29T16:32:31.548-06:002010-04-29T16:32:31.548-06:00I saw something in Reader's Digest that might ...I saw something in Reader's Digest that might help manage your debt in an easier way. It's called DebtGoal and it's free(so they say in RD!). You type in your creditors and the amounts owed and debtgoal sets up a payment plan and a target date to end your debt and it tracks your progress with charts and graphs. If you want some extra things, it's $10 a month but it doesn't sound like it's necessary. Why don't you give it a look.<br />I'm worried that you might be pushing yourself too hard with so much work and stress. I know from experience how stressful IT jobs can be.<br />Good luck.<br />Marygringabosquehttps://www.blogger.com/profile/09405286653038860468noreply@blogger.comtag:blogger.com,1999:blog-3866351701112175561.post-18368425601351829882010-04-15T13:49:09.828-06:002010-04-15T13:49:09.828-06:00I'm glad that this article ended a little chee...I'm glad that this article ended a little cheerier than the beginning. ;-)<br /><br />I have a hard time understanding why your wife doesn't comprehend how much interest you are paying. Could you work up the math on a couple of examples? Say, you buy something on credit for $1,000 and make minimum payments and then maybe refinance for an extra term as it seems that you often do. <br /><br />Let's say you took a vacation that cost $1,000. How much does it end up costing? $3,000, $5,000, more? That is what your wife needs to understand. Or you buy your daughter a dress for L.1,000. Does it end up costing L.5,000? <br /><br />Another idea: What if she was to keep the financial records? -- not make the payments, but you report to her what you paid and she keeps track of everything. Maybe she would see the light! Surely that is not over the head of someone getting a masters in business administration.<br /><br />That is good news about the possibility of a negotiated payoff amount. I'm glad to hear that. When you talk to them, be sure to let them know that you could use the money to pay off one of your other accounts. That should motivate them. In fact, it might be worth talking to one or two of the other companies to see who would give you the biggest discount. Good luck!La Gringahttps://www.blogger.com/profile/14603699579838114841noreply@blogger.com