I find myself, at 25, with over $6000 dollars in personal debt, plus another $130,000 in student loans. My grandfather is probably rolling over in his grave. I also find myself in possession of a husband (unemployed at the moment) and my first 'real' job, the kind with a decent salary and benefits.
The personal debt is the worst, the result of six months of unemployment after I dropped out of grad school and three root canals. It is the monster under my bed. I've decided to kill it.
The monster is so big, I will have to slowly suffocate it.
Starting tomorrow and running until next summer, I will pay down the credit cards, each week, at payday, before the money can run away. I'll begin micromanaging my budget. When I've killed that beast, I'll go after it's friend, the Wells Fargo 8% student loan. That will be another two years. I've been 'trying' to pay this stuff down for a long time. But, as Yoda said, "There is no 'try." Jill Connor Brown, the Sweet Potato Queen, agreed with him. Change happens in an instant. Change happens at midnight, when my paycheck posts.
I will do it this time.
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