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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I’ve had yet another mystery bill added to my credit report. I have no idea what it’s for as I have soo many medical bills. All it says is medical, yes that helps me a whole hell of a lot!

I’m starting to think that bankruptcy is my only way out. Because of Google my income from blogging sucks compared to what it could be. If I had the income I should have I could pay off all of my debt and start on my student loans withing 4 months. Yes I’m really pissed at google now and I hope their stock gets to the point where they have to have a buyout. They suck and I hate them.

Anyway, I’m just really frustrated. I can’t find work because I’m either over qualified or under qualified. I can’t pay any of these bills I have and when I do another pops up in it’s place and is usually more then the one I payed off. I’m now understanding why people go out and kill each other, they are frustrated and tired of trying and getting no where. (Don’t worry I’m not going to go on a shooting rampage) I will go and work out until my blood sugar gets really low or I finally wear out the frustration. I really just don’t know what to do.

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