I can go on and on about what happened, who charged what, impulse purchases etc. but you've heard it all before. We don't want to bore you anymore. We keep making excuses and we keep charging. Is it really worth having a debt blog when all we do is stay in debt? I think I might start a new spending blog, maybe link all my credit cards up to Blippy so you can see what we're buying and I don't have to explain things to the world.
So should we shut down this blog? Or do you enjoy seeing us drown in debt?
HS
13 comments:
Heck no, please don't go. I plan on being in debt for probably ten years at least and I need to blog (and read other blogs) to keep me motivated. Life happens and sometimes you get off track but don't give up!
Don't give up! Keep trying. Sometimes you also need to ask for help.
Are you giving up on the blog? or are you giving up on fighting the debt?
The blog can go away, but the debt won't and if you stop fighting it then eventually it will win.
I would hate to see you give up the good fight. If the uncontrolled spending is getting to you, perhaps you need another voice helping you go through things, setting up budgets, accountability etc? just a thought.
Perhaps you just aren't ready to take the debt free plunge...I know that happened to us when we were in our 30's. We didn't mind staying in debt...we assumed we would always be working and that we would eventually get out.
Well, we did. But now we are in our late 40's and wish we had done things differently. Retirement still seems very far away, and we wish we had more choices.
Keep blogging...it doesn't have to be all about paying off debt...
A lot of us will be in debt for a long time. My projected debt free date is 68 months from now! That's a long time and I am hoping to end it before then. At the same time, I realize that life can happen and things could stretch out even longer.
You know what to do. You might not like doing it but you do know what to do. You don't need to give up.
Honestly, you aren't trying to get out of debt....by the title of this post, it is boring. And you really aren't paying OFF debt. You are paying off older debt, and getting new debt.
You don't have to justify to us what you bought or why. At the end of the day you only have to be honest with yourself.
Personally, I check your blog occasionally because I lost interest in reading about all your spending. To me, that wasn't getting out of debt, and it is hard for me to commiserate with someone who continues to buy and buy.
Either shut this blog down, or at least be honest to yourself about what you want to blog about. Maybe tracking all your spending is what you need to come back around to paying off debt.
Cut up the cards. it is the only way you can stop using them.
I enjoy reading you blog, but maybe you need to change focus. Maybe a all purpose about your life blog? Maybe a spend tracking blog?
But I do think you should really try and get out of debt. Debt just robes your future. You may miss out on oppurtunity because you have debt (say a job you love comes along, but the pay is less, so you have to pass up or your wife decides she wants to be a stay at home mom, but debt keeps her from doing so.)
Buy stuff you enjoy, but budget for it.
I rather enjoy, or at least have empathy with the schizophrenic nature of your blog. Sometimes you post that you've taken on debt and you're proud of it; other times you write about the guilt; and now you write about the frustration--which, BTW, is NOT the same as boring. This is the nature of our financial lives--and I, for one, like to see how it is going for others. Would that all of us had Ramsay's "gazelle intensity" and reducing debt happened in a straight, fast line. But that doesn't describe my financial life, nor yours.
Don't give up, buddy. It will take some time and this stuff doesn't happen over night. I see a lot of me and my early posts in your blog.
It's frustrating as all hell to see opportunities in the market and see cool things that you want to buy and have to make a decision.
I recommend you keep at it, but start at square one - and be honest with your situation. Cut up some cards, take others out of your wallet to reduce impulse buys and most importantly - open up a spreadsheet and start working on a plan where you know what percentage of your income is going to what - even if some of it goes to stocks or buying things. If you plan, you have control and you can impact your future...and that of your family.
Keep me/us posted, pal. Good luck!
KC from www.climbingfromdebt.com
Come on man!
No! Don't get rid of this blog! So you make excuses, that won't change if you end this, but by talking about it and putting it out there for everyone to see, (all the excuses) you are creating some form of understanding in your mind.
By doing this you are serving two purposes,
1: Keeping yourself on track, even if it doesn't always feel like it.
2: Helping all the other people that also are trying to get out of debt. People come here for inspiration.
Please don't stop trying, you are doing good for yourself and others!
There are options, ways to get help getting out of debt, I found this page to be helpful,
www.getridofdebtfast.org
Maybe look it over and see if it may help you, just don't stop this blog!
I know this is an old post, so I am glad you did not shut down the blog. Other comments are correct when they say you have not tried to get out of debt. Behavior change is difficult, but worth it. I follow another blogger who is having a similar struggle (www.chitownblues.blogspot.com) you may check it out.
Three years ago I was 26 with $105,000 (no house) in debt. I read Dave Ramsey’s “Total Money Makeover” and attend his Financial Peace University. I committed to applying the principles for a year, but it really worked for me so I stuck with it. Every step has not been fun, but it has been an interesting journey. You can read my anniversary post at http://ifiwereawealthygirl.blogspot.com/2010/07/happy-3rd-tmmo-anniversary.html. I am motivated by what it on the other side of debt to keep pushing forward.
Good luck to you and the misses.
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