tidefan1983
Jan 3, 2008, 01:51 PM
Hi everyone,
I just wanted to ask if any one has a suggestion. I have only had one credit card my whole life but, it is charged off. I got it when I was 19 ( I'm 25 now), and the charge off was for $398 and some change. I also have a student loan that is in default that I am paying on but I am usually late. The total loan is for about $2200 I have a bad power bill and a couple of other small bad things on my credit, like a phone bill gone to collections that has now been paid and an overdue cable bill from 5 months ago. I also have a couple a bill from when I had my oldest daughter for $625.00 and one to my dr office from the same event.
All of these are small seperatly but they add up. I have been trying to figure out a way to pay everything off and still be able to pay rent, power, etc.
I do very much unnecessary spending. We very rarely eat out ( like once every other month). We don't buy excess stuff at the grocery store. We just barely make enough to pay everything. We just spend so much in bills such as power, water, food, daycare,(we don't have a phone, so no phone bill), we don't have cable anymore either so no cable bill.
How is it possible for me to clear my credit if I can just afford my fruggle life? I am stuck in a situation where I can't seem to keep my head up above water. I don't have a lot of debt, but what I do have, I can't pay.
My husband and I are working very hard, and we want to buy a house. No one will give me a loan and my husband doesn't have any credit at all.
What are the first things I need to do in order to get my finances in order??
I just wanted to ask if any one has a suggestion. I have only had one credit card my whole life but, it is charged off. I got it when I was 19 ( I'm 25 now), and the charge off was for $398 and some change. I also have a student loan that is in default that I am paying on but I am usually late. The total loan is for about $2200 I have a bad power bill and a couple of other small bad things on my credit, like a phone bill gone to collections that has now been paid and an overdue cable bill from 5 months ago. I also have a couple a bill from when I had my oldest daughter for $625.00 and one to my dr office from the same event.
All of these are small seperatly but they add up. I have been trying to figure out a way to pay everything off and still be able to pay rent, power, etc.
I do very much unnecessary spending. We very rarely eat out ( like once every other month). We don't buy excess stuff at the grocery store. We just barely make enough to pay everything. We just spend so much in bills such as power, water, food, daycare,(we don't have a phone, so no phone bill), we don't have cable anymore either so no cable bill.
How is it possible for me to clear my credit if I can just afford my fruggle life? I am stuck in a situation where I can't seem to keep my head up above water. I don't have a lot of debt, but what I do have, I can't pay.
My husband and I are working very hard, and we want to buy a house. No one will give me a loan and my husband doesn't have any credit at all.
What are the first things I need to do in order to get my finances in order??