This month I started listening to Dave Ramsey's radio show. I just purchased his book Total Money Makeover.
I've started to reflect on why I ended up in debt and how this is my fault. I've been pointing the finger at circumstances that I faced, but I should have made decisions that could have prevented my debt.
Reading Dave's book has helped me to realize I need to get real about this. I'm working from home for a web design company (freelance) and I'm not bringing in much money. I have about $23,000 in student loans and $10,000 in credit card debt. I was paying off about $800/month on a salary of $22,000 before I left my job in October 2010. I haven't paid a dime since then.
I'm ready to move forward and put this debt behind me. I want my life back.
I've started to reflect on why I ended up in debt and how this is my fault. I've been pointing the finger at circumstances that I faced, but I should have made decisions that could have prevented my debt.
Reading Dave's book has helped me to realize I need to get real about this. I'm working from home for a web design company (freelance) and I'm not bringing in much money. I have about $23,000 in student loans and $10,000 in credit card debt. I was paying off about $800/month on a salary of $22,000 before I left my job in October 2010. I haven't paid a dime since then.
I'm ready to move forward and put this debt behind me. I want my life back.
