Posts having to do with credit card, student loan and any other consumer or personal debt. Documentation and stories related to our debt payoff journey. Learning how to get out of debt and recover from credit issues.

Gen X Student Loan Debt – How I Got There

Closing the Generation Gap - Millennial Student Loan Debt

I’ve been reading a lot about Millennials and how they are handling their student loan debt. There are tons upon tons of articles and blogs out there documenting how the younger generation has successfully managed and paid off their debt. And I think that’s awesome. In fact, I would be ecstatic if my son would take a page from any of those books, so he can eventually implement a creative strategy of his own. But that’s a story for a different day. It’s not my story. My story starts a little earlier than that, since I’m not a millennial. I …

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Talk to Your Kids About Credit Cards & Debt

surveys for cash

My son went shopping yesterday for a new bathing suit. He came home with a new Speedo, and a department store credit card. First, let me clarify that the Speedo is a pair of swim trunks, and not the piece of stretchy material that is typically imagined when one thinks of a Speedo. Now that we have that particular visual addressed, I’ll get back to the issue at hand — his first credit card. My son is a recent college graduate. He’s 22 years old, so clearly an adult who can make his own choices. And yet, I feel extremely protective (and …

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Starting the Journey – Getting Out of Debt

black calculator surrounded by coins and dollars

Debt Repayment Documentation This is the first *official* post documenting my family’s debt journey. Who’s excited?? Haha Through this, I’m trying to get a grasp on and form some structure around: –  What we’re paying out each month –  How much of that is actually reducing the balance –  What amount of debt is remaining First off, I’m finding the amounts are not balancing out perfectly. But I’m hoping this will all make more sense & be a little easier going forward. And really, the bottom line is to make sure the balance is going down and not up. Because if I’m doing …

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