tag:blogger.com,1999:blog-8465887551310827456.post2536434826977177732..comments2023-09-02T07:09:34.264-04:00Comments on Digging Out From Our Mess: Five years....the negative stuffMystihttp://www.blogger.com/profile/17496508600320205581noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-8465887551310827456.post-40290353441172239112014-08-07T09:48:53.024-04:002014-08-07T09:48:53.024-04:00This is an important post. I often feel discourage...This is an important post. I often feel discouraged at the dumb decisions I made, especially during my divorce... can we say emotional debt?! But I'm learning, as you also appear to be, and that's what counts. <br /><br />P.S. I feel the same about about student loan debt. It's the least of my concerns when it comes to the TYPE of debt I have.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-19750107141703791102014-08-06T00:06:39.528-04:002014-08-06T00:06:39.528-04:00I can't really comment after reading about you...I can't really comment after reading about your son, so sorry you had to go through all that... no idea how you made it. Glad is all in the past and you were able to move on.<br /><br />HSHS @ Our Debt Bloghttps://www.blogger.com/profile/15832696189497002591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-88044168838302382992014-08-05T21:15:53.234-04:002014-08-05T21:15:53.234-04:00Yep, you made mistakes. We all have. Well most o...Yep, you made mistakes. We all have. Well most of us anyway. I know I've made a few doozies. I'm still learning, and getting better at it as the years pass, but I'm closer to retirement than I ever have been before so it seems more urgent. Slow and steady Mysti...YOU.CAN.DO.IT!!!Sharonhttps://www.blogger.com/profile/13940623529019637336noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-58569798386970174372014-08-05T21:07:59.738-04:002014-08-05T21:07:59.738-04:00I love this post. We all have good, bad and ugly ...I love this post. We all have good, bad and ugly in our lives and it's important for us to see it all. Only seeing the good stymies us just as much as only seeing the bad. You seem well balanced and I think you will do well in the next stage of your financial journey. Michelle82https://www.blogger.com/profile/08515965747974233992noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-61201861145014125712014-08-05T20:40:45.894-04:002014-08-05T20:40:45.894-04:00Though we all want to get to our destination, some...Though we all want to get to our destination, sometimes it's all about the lessons we learn along the way. I have learned a lot, and continue to learn. Likewise, I've made some huge mistakes, some big mistakes, and still make mistakes (some well aware). But hey, I am still moving ahead. A mistake is mostly a mistake only if it fails, no? Good luck. I am sure your happy post will be awesome! Taniahttps://www.blogger.com/profile/11075300256482920618noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-48273738499385937572014-08-05T16:51:18.769-04:002014-08-05T16:51:18.769-04:00I like the honesty of your post and at least you m...I like the honesty of your post and at least you managed to bring down your debt over the past 5 years. I know it's hard to keep the momentum going and I like how you said that you have fallen into the slow creep and racked up CC debt again. That's happening to me as I speak. I love to have a $0 balance on my CC but right now it's at $1,100. Need to try and get that back to $0. Used it to pay lat months lawn maintenance bill and a few purchases from Ikea and Lowe's for the nursery. <br /><br />Plus, I need to keep in mind that my wife doesn't get paid over the summer because she's a teacher. So it's hard to keep up with the expenses while we're on a single income for those two months. I know we should save up while she's getting paid but it's easier said than done with a toddler and another baby on the way. Just have to make some smart decisions.<br /><br />While I started my blog, I was all gungho about getting out of debt. But the hardest part for me was that my wife wasn't 100% on board. It's not that she's a shopaholic, but she doesn't want to sacrifice living life for the next few years while we try to become debt free.<br /><br />It's a tough journey for sure. And I'm sure with accountability and encouragement from others, we'll all be there one day, sooner rather than later. I look forward to the day when both our kids go to public school and we'd have our student loan and car paid off (in about 5 years total). That will free up an instant $3,000 in monthly expenses!<br /><br />Good luck to all!!!!Anonymoushttps://www.blogger.com/profile/01161047540704971585noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-44166561497943351652014-08-05T14:29:02.461-04:002014-08-05T14:29:02.461-04:00As long as you have learned the lessons presented ...As long as you have learned the lessons presented to you along the way in the last 5 years, that journey hasn't been all for naught. Be glad that you are as far along as you are, no matter how much further you need to go.<br /><br />Unless something comes along to change your money situation(new jobs, moving, get rid of some big large debts, etc.)be happy with the progress you have made. Everyone gets out in their own way and at their own rate.<br /><br />And be happy that there are folks out there who were brave enough to cheer you on and/or call you out on missteps along the way.<br /><br />I hope I speak for all when I say we all only want the best for your family.slugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-41546874319645310052014-08-05T12:50:11.602-04:002014-08-05T12:50:11.602-04:00You have come a long way considering the set backs...You have come a long way considering the set backs. If you had not been trying to get out of debt this whole time think where you would be! I am in the same boat you are so let's row together a few more years. Out My windowhttps://www.blogger.com/profile/13456481267171643227noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-62922275380297741972014-08-05T08:45:09.703-04:002014-08-05T08:45:09.703-04:00I think this 5-year look-back exercise is a good i...I think this 5-year look-back exercise is a good idea and helps put everything in perspective, especially for you. I've only been following you since I joined the madness in 2011 but it sounds like you went into this sort of halfway and didn't do the research needed to see the big picture. (ie, rolling CCs into the retirement loan). It's not that you haven't been trying, you just get sucked into the details without looking at how it's going to play out long-term. I think you're learning over time and are on the right path now. I remember when I first started reading your posts and I was thinking you didn't have it so bad! From what you said, I was guessing we had similar incomes as well as a child with a chronic illness and my debt was twice what yours was! (Thankfully, that's not true anymore:) Anyway, your journey has taught me some things along the way and I'm always cheering for you - can't wait to see the new numbers!!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-46281971558711137742014-08-05T07:56:28.949-04:002014-08-05T07:56:28.949-04:00Have you ever looked into Dave Ramsey's financ...Have you ever looked into Dave Ramsey's financial peace u university? I have seen it work. For husband and I we got rid of all credit. No matter how hard, we pay cash. Fortunately husband is great with cars and keeps us going. Check into Dave Ramsey.longtime wifehttps://www.blogger.com/profile/16943663153016717921noreply@blogger.com