I have been working for almost 2 years to try to get out of debt, it’s not easy when you really only make enough to live on, well for a collage student living at home to live on. I have thought about getting a personal loan to pay off everything, but because my credit is so bad I can’t get anything. Part of me just says forget it and let it sit for 7 years. The other part knows that if I do that I won’t ever be able to move out on my own. I really have to look into how to consolidate debt or at least my student loans.

The hard part is now that i have a little extra cash it seems they all think I can pay everything in full. I have tried to tell them this, but apparent their money grows on trees and they don’t understand I can’t pull money out of my butt and had it to them. It must be nice to get everything handed to you on a silver plate.

Anyway I have spent a few hours looking over some options I have at bills.com. Unfortunately at this point it still looks like bankruptcy would be the best option, but I still don’t have the money to pay for that and it won’t take care of half of what i owe anyway because of the new laws. They do have some great tips if you have the money to pay every month, but I don’t. I’m thinking right now the only way out of this is to win the lottery or marry a rich old man.

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I really hate debt, I have way too much and I need Debt relief. I really need to get some Debt help. I don’t like having to worry about all of this. Debt consolidation maybe a great answer but I really don’t want to do it. I want to do it on my own but I just don’t know where to start, it seems that every time I get somewhere I end up back where I was before.

I took the test at Bills IQ and got an okay score it was 67%, but it could be better. They also gave me some great ideas on how to solve my bill and debt problems. Some are okay, like  the consolations services, I’m hoping never to use the socialspark.com/metrics/click/post?slot_id=12694&url=http%3A%2F%2Fwww.bills.com%2Fbankruptcy%2F” rel=”nofollow”>Bankruptcy option, but my mom is now looking into it because of personal issues. You just never know what is going to happen. Life throws everything at you and then you have problems that are sometimes just too much. That is where Bills IQ’s debt pointers may come in handy.

Below you can listen to me ramble on about how I handle bill day, the day you pay all of your bills for the month. I don’t pay my monthly bills this way, but I do sit down once a month and figure out how to pay off my other debt.

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I was bored so I decided to see what my Bill IQ was. Lets just say I expected worse then I actually got. My IQ is 64%. For me though a few of the questions just did not apply. One I work from home and just started recently making enough to cover bills. Two I have a few monthly payments I make but because I was not working most of my bills are debt that is in collections. I have thought about getting Debt help but I have been told that I really don’t have much and they won’t help me because of that. They are right, if you take out my student loans my debt is only about $5000.

I think though that is is a very good idea to figure out what you really know about your financial status. Most of my family uses the excuse of I can’t do anything because my credit sucks, but they don’t know their credit score and never check it. I at least know that much, but I started out trying to make sure my credit was good. Unfortunately things happen you have no control over like losing a job or a home. For me it was the lose of a job, twice in two years. You just never know whats going to happen.

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I have been working hard to try to figure out how I am going to pay off my debt. It seems that everyone I talk to just tells me to do balance transfers and put the money on a new card. Unfortunately it’s a little late for that as all of my credit card debt is in collection accounts. Yes my debt is that bad, that is what happens when you lose your job and can’t find one for over a year, twice!

I’m slowly working on it, but it’s just not happening fast enough. I was thinking I might try to take a loan out on my car, but I don’t know if I want another company checking my credit, since that brings down your score too. I hate that, why can’t they give you a few free ones? Someone who is trying to get a loan or a credit card to help build their credit is just screwed and gets a credit score that is even worse. Really I think the scores favor the rich who have money, not the ones that need the credit.

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That sounds great doesn’t it. It sounds like the answer to everyones problems and according to what I read just a few minutes ago it is. Here is the problem with that statement, is there a part time job available for you? Does your full time job allow you to work a part time job. Do you have a job in the first place?

What I read makes getting out of debt sound easy, guess what for most people it’s not. In fact I had a talk with my mom yesterday about this. We have never had extras. Well me and her, my sisters eat out all the time and buy junk. They apparently have the money to do that, oh yeah thats because they took all of mine a few years ago. Anyway the point: We don’t have the extras to cut out, my mom can’t get a part time job because her full time job will not let her. I just can’t find work at all.

It seems I am screwed according to these experts. I can’t take any of their advice, because I have never had the money to do the things they keep saying to cut out. Those extras like going out to eat once or twice a week, going to a move every weekend, or buying that out fit 3 times a month. Yes those are extras for those who don’t know. So here is my question, where is the help for the people who really need it, not the ones who spend too much money because they can’t figure out that money out needs to be equal to or less then money in.

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I woke up this morning and found out that my blog was Pay Per Post’s blog of the day. Now I know many don’t even look at that anymore, but I’m kinda happy about it. I think my blog is good and I hope anyone reading it does too.

Anyway I thought I would take the time to thank PPP for everything they have done for me. I am able to now pay off my debt and maybe even buy a home thanks to them. I wouldn’t have been able to do any of this if I had not found them and started doing paid posting. Right now I would be one of many people in my state looking for work. You can check out my post on Michigan’s Economy by clicking the link.

I have also met some great people along the way and hope to meet more. Thank you to everyone who reads this blog and thanks again PPP for everything you have made possible for me.

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I have been in debt for a few years now. I have many things in collection and many more on their way. Some of the problem are hospital bills I just can’t pay some is credit card debt. Unfortunately I can’t get help for it as it really is not that much and the only reason it’s gotten this way is because I don’t’ have a steady job, I can’t find one and what money I get goes to paying what I can.

That doesn’t mean that you can’t get credit card debt relief. Most Americans have this problem, we spend and spend and then the credit card bill comes and we can’t pay it. One site ACA4help.com may be able to help you with your credit card debt. Like most programs you can get a free consultation and they have a few different ways to help you out. You can choose debt settlement, credit concealing which I recommend if you have an addiction to credit cards and loans, Debt consolidation, pay on your own or Bankruptcy. You can compare all of these options and choose the one that is right for you.

Debt is a growing concern right now. I hope to be free of all of my debt by next year, well except my student loans. Thats why I want to get the rest of it paid off, before I graduate, that way I can afford those loan payments.

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