Monday, December 18, 2006

Customizing this Blog

I would really like to have some more interesting features on my blog but I am not sure where to find them. I would like to have charts and graphs depicting my financial situation in more detail so that way maybe people can offer me tips! I am not savvy with creating my own features so I guess I will have to continue looking.

If you are reading this, and you know of where I can find some financial tools for this blog, please drop me a line!

How I will update

Until I find some better features for my blog, I will inform you of my financial stats by posting them once a month for the world to see. Of course I won't put what financial institutions they are at, just the type of debt. Then I will keep a list on the sidebar of my monthly updates.

I hope I find something less complicated soon so my readers don't have to go through the trouble of clicking on stuff to see where I am at!

Maybe I will title the posts by my progress.

Boy now that I think about it, these stats are gonna take some careful documentation.

What should I keep track of?
  1. my total debt
  2. total on each card
  3. percentage of debt paid off total and individually (maybe)
  4. how much to go
Yikes I hope I think of a good way to keep track of this!

Saturday, December 16, 2006

My Debt

I have a lot of debt at the moment. Sometimes I don't know I got into it all. I really don't. I should call upon myself to answer this question and I probably will very soon, as soon as I get a few hours to enter it all in some kind of chart.

Anyway my biggest mistake was being late on a few payments with Bank of America. I have had a pretty decent credit history up until then (this was probably in 2005). They kicked my interest rate up to 32.24% and it kind of began this whole nightmare. Not to mention I have not had steady employment and I am still under-paid now. The reason I have not had steady employment is because I have been suffering from anxiety and depression since college ended. I have been trying to find a job I like to do and this hasn't happened, which has resulted in me taking on jobs and quitting them pretty quickly. I tried hard at a lot of things but I failed. Lets just put it that way. Maybe I will post more on this at another time but I'd rather this blog remain positive and creative.

Friday, December 15, 2006

Well, Hello World!

Hey everyone! I created this blog to explain how I got into debt and how I am going to get out of it. I am so sick of feeling poor, aren't you? And I am not even as poor as they come, sadly enough. I'm just an average girl in my 20s, college-educated, with a job. I don't wear Prada purses, I don't have a little dog in a carrying case (although they are cute), I don't go on expensive vacations. As a matter of fact, most of my socks have holes in them! I don't really know where all my debt came from but that is for another discussion.

Anyway I would love for others to join me as I try to get out of this hole. I have big plans for myself- I want to get married in the next few years, I am trying to go for additional schooling next Fall so I can try a new career I have dreamed up. Its been years since I have been on vacation and who knows when I will go anywhere again.

I was brought up shopping at Benneton and going to Paradise Island in the Bahamas every year. This is a far cry from those days.