Back Story - Part 2

After 2 years I decided I hated my job and to go back to school. That is where the second student loan comes in. During this time I am still paying just the minimums on the 4 credit cards I had left. I graduated from school, got a job I love but that does not pay as well as I would like (or need). Then the student loan bills start coming in. The payments were as much as I was paying in rent. So, I transferred to a new city where my mother lived, moved in with her and worked on catching up on the bills I could not pay.

Present Day

It took me a year of living with my mother to catch up on all of my bills. And I will admit, I've managed to pay some of the credit cards off, just to fill them up again. But this time I am going to pay them off for good. If I don't, I will have to work for the rest of my life and still be in debt.

Starting Early

Hi everyone, my name is Sam (name changed to protect the poor) and I am broke.

I am so broke that if the world was selling for a penny I would have to charge it. I have been living pay check to pay check for the past 7 years (since graduating college) and I am tired of it. I hate not having money to go on trips (like my sister), get my car repaired (it's 9 years old, but it's paid off), or live on my own (I live with my mother. I am not a looser, this is due to student loan debt). So I have decided to save myself before it is to late.

I was planning to start on this new path on January 1st as a New Years Resolution, but then I decided that there is no time like the present. Also, I figured that there would be a lot of new blogs out about the same thing and if I wanted some readers I better start early.

So, this year I have two New Years Resolutions.........

1. To pay down my debt ( I have 4 credit cards and 2 student loans)
2. To save money (I don't have a savings account, a 401k, or an IRA)

Let the games begin