OT – Dilemma: default now or later?

[Anonymous]

Check out ynab.com (short for “you need a budget”). It’s a budgeting software that helped me get out of debt. It uses the principles of living off your last month’s income (instead of paycheck to paycheck) and “giving every dollar a job” so you know where your money is going.

Doing just those two things helped me find ~$500 in my budget that I didn’t know existed. I could probably save another $450 by cutting some other expenses. Point is, I wouldn’t have known where to find them if I wasn’t using ynab.

Also check out Dave Ramsey. He has people calling in his talk show that are in much worse situations that are able to turn their debt around.

Good luck.

[nostradamus]

Are you considering defaulting or filing for bankruptcy? Poor credit can affect you in many ways.

You seem repentant, how about a little self-flagellation in the form of a second job until the debts are paid? If that is possible where you are. Also, I’d say the wife needs to help out by getting a paying job as well.

Hopefully your BA in econ will have taught you budgeting.

[nostradamus]

Are you considering defaulting or filing for bankruptcy? Poor credit can affect you in many ways.

You seem repentant, how about a little self-flagellation in the form of a second job until the debts are paid? If that is possible where you are. Also, I’d say the wife needs to help out by getting a paying job as well.

Hopefully your BA in econ will have taught you budgeting.

[nostradamus]

Are you considering defaulting or filing for bankruptcy? Poor credit can affect you in many ways.

You seem repentant, how about a little self-flagellation in the form of a second job until the debts are paid? If that is possible where you are. Also, I’d say the wife needs to help out by getting a paying job as well.

Hopefully your BA in econ will have taught you budgeting.

[nostradamus]

Are you considering defaulting or filing for bankruptcy? Poor credit can affect you in many ways.

You seem repentant, how about a little self-flagellation in the form of a second job until the debts are paid? If that is possible where you are. Also, I’d say the wife needs to help out by getting a paying job as well.

Hopefully your BA in econ will have taught you budgeting.

[nostradamus]

Are you considering defaulting or filing for bankruptcy? Poor credit can affect you in many ways.

You seem repentant, how about a little self-flagellation in the form of a second job until the debts are paid? If that is possible where you are. Also, I’d say the wife needs to help out by getting a paying job as well.

Hopefully your BA in econ will have taught you budgeting.

[rnen]

[quote=alarmclock]In Soviet Russia, bankruptcy files for you!

Not to make light of the situation, but that was freakin funny!

[rnen]

[quote=alarmclock]In Soviet Russia, bankruptcy files for you!

Not to make light of the situation, but that was freakin funny!

[rnen]

[quote=alarmclock]In Soviet Russia, bankruptcy files for you!

Not to make light of the situation, but that was freakin funny!

[rnen]

[quote=alarmclock]In Soviet Russia, bankruptcy files for you!

Not to make light of the situation, but that was freakin funny!

[rnen]

[quote=alarmclock]In Soviet Russia, bankruptcy files for you!

Not to make light of the situation, but that was freakin funny!

[patientlywaiting]

You’re not the only one.

http://money.cnn.com/2008/10/23/pf/college/student_loan_fugitives/index.htm?postversion=2008102407

Student loan fugitives
When faced with unaffordable monthly payments and relentless creditors, some see leaving the country as their only way out.

[patientlywaiting]

You’re not the only one.

http://money.cnn.com/2008/10/23/pf/college/student_loan_fugitives/index.htm?postversion=2008102407

Student loan fugitives
When faced with unaffordable monthly payments and relentless creditors, some see leaving the country as their only way out.

[patientlywaiting]

You’re not the only one.

http://money.cnn.com/2008/10/23/pf/college/student_loan_fugitives/index.htm?postversion=2008102407

Student loan fugitives
When faced with unaffordable monthly payments and relentless creditors, some see leaving the country as their only way out.

[patientlywaiting]

You’re not the only one.

http://money.cnn.com/2008/10/23/pf/college/student_loan_fugitives/index.htm?postversion=2008102407

Student loan fugitives
When faced with unaffordable monthly payments and relentless creditors, some see leaving the country as their only way out.

[Author]

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