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Old 11-03-2009, 10:36 AM   #1 (permalink)
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Feeling over whelmed by debt!!!

I am starting the Dave Ramsey Debt Snowball program. And I am just overwhelmed by medical bills. I know I gotta hang in there and do the program. But I just need to share this pain!!!! I am in the process of listing all my bills from smallest to largest. I know this is not a happy topic. And I am wondering what kind of reception I will get. But aren't we here to support each other??? I will write down progress and how I am feeling.
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Old 11-03-2009, 10:47 AM   #2 (permalink)
 
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I am also doing the Dave Ramsey snowball plan. It will take time, but it works.
Just be careful to leave yourself enough cash flow to avoid any new debts.
It will get better soon! Just stick to it.
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My Countdown Counting down to: POP SOLO TRIP!
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My Previous TripsDavis Family Vacations: WDW/FW Dec. 1978, 1981, 1983, 1985, 1987, 1989, 1991 Mom and Me: DLR 1999, 2001 With Friends: DLR 2000-2005 Jones Family Vacations: DLR 2005-2007, WDW/FW Oct 2008 My very first WDW solo trip coming this December!!
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Old 11-03-2009, 10:49 AM   #3 (permalink)
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Thanks. I needed that. And good luck to you.
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My Countdown Counting down to: My next trip to WDW!!!! Yahoo.
291 days, 1 hours, 21 minutes
Reward: Da Bomb Pixie x 1 Reward: Love Pixie x 1 Reward: Angel Pixie x 2 Reward: Gift Pixie x 3 Reward: Banana Pixie x 2 Reward: Lightbulb Pixie x 1 Reward: Thank You Pixie x 2
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Old 11-03-2009, 10:56 AM   #4 (permalink)
 
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you too!
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I've been gobbled, thanks everyone!

Right at the start of everything that's new, one little spark, lights up for you!
My Countdown Counting down to: POP SOLO TRIP!
20 days, 23 hours, 21 minutes
My Previous TripsDavis Family Vacations: WDW/FW Dec. 1978, 1981, 1983, 1985, 1987, 1989, 1991 Mom and Me: DLR 1999, 2001 With Friends: DLR 2000-2005 Jones Family Vacations: DLR 2005-2007, WDW/FW Oct 2008 My very first WDW solo trip coming this December!!
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Old 11-03-2009, 10:59 AM   #5 (permalink)
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It does work just stick with it
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Old 11-03-2009, 11:30 AM   #6 (permalink)
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Stay with it Scott!
The plan does work - just don't give up!!!!

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My Countdown Counting down to: Leaving for Christmas in Florida!!
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My Previous TripsChristmas 1971 first visit for our family, 1978 River Country and MK (honeymoon), March 1989 first WDW visit for my three sons, Jan. 1996 Poly, Jan. 2000 AS Sport and Disney Institute Bungalows ( now SSR), April 03 AKL, Aug. 04 Pop, April 05 AKL, Aug. 05 Pop and BC, April 06 WL, Sep. 06 POFQ, April 07 Poly, August 07 BWI, October 07 POR, Dec. 07 OKW. Feb. 08 CS, April 08 WLV, June 08 OKW and AKLV, Nov. 08 AKLV (solo trip!), Feb. 09 SSR, May 09 SSR (DoD tour - solo!), Oct. 09 BCV
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Old 11-03-2009, 12:04 PM   #7 (permalink)
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Good luck. You can do it
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My Countdown Counting down to: Christmas at GCV
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My Previous Trips2009 BC, 2008 BWV, 2008 Grand Californian, 2008 BC, 2007 BWI, 2007 POR, 2007 Grand Californian, 2006 BC, 2006 POR, 2006 WL, 2005 BC, 2005 BWI, 2005 CBR, 2004 CR, 2004 GF, 2004 POFQ 2004 Poly, 2003 CSR, 2003 POR, 2002 AKL, 2001 AKL, 2000 CBR, 1999 CBR, 1998 ASMo, 1997 ASMu, 1996 ASMu, 1995 ASSp, 1991 Wyndham, 1989 off site, 1985 Off Site
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Old 11-03-2009, 12:31 PM   #8 (permalink)
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Thanks all!!! The hardest part is to start.

I am trying to think positive.

And I need a second part time job.
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291 days, 1 hours, 21 minutes
Reward: Da Bomb Pixie x 1 Reward: Love Pixie x 1 Reward: Angel Pixie x 2 Reward: Gift Pixie x 3 Reward: Banana Pixie x 2 Reward: Lightbulb Pixie x 1 Reward: Thank You Pixie x 2
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Old 11-03-2009, 12:43 PM   #9 (permalink)
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The Dave Ramsey snowball is awesome Scott!! Stick with it, even in the tougher times, and you will see amazing results!!!
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Old 11-03-2009, 12:48 PM   #10 (permalink)
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Originally Posted by lukeandbrookesmom View Post
The Dave Ramsey snowball is awesome Scott!! Stick with it, even in the tougher times, and you will see amazing results!!!
Thanks Judi. My bills are out of control. Especially since I am saving for WDW at the same time.

My first goal is to get everything in order from the lowest owed to the highest!!!
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My Countdown Counting down to: My next trip to WDW!!!! Yahoo.
291 days, 1 hours, 21 minutes
Reward: Da Bomb Pixie x 1 Reward: Love Pixie x 1 Reward: Angel Pixie x 2 Reward: Gift Pixie x 3 Reward: Banana Pixie x 2 Reward: Lightbulb Pixie x 1 Reward: Thank You Pixie x 2
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Old 11-03-2009, 01:13 PM   #11 (permalink)
 
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I know its tough. I am doing to same and I feel guilty going to WDW when I have debt. Living in SF doesn't help either - good gosh I lived in LA for eight years and the cost of living is so high!!
Now I live in SC and things are a bit easier. Not that you should move...I just mean to say I feel your pain. The med bills super stink...have you checked in to see if you qualify for any relief from govt. or private assistance programs?
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Right at the start of everything that's new, one little spark, lights up for you!
My Countdown Counting down to: POP SOLO TRIP!
20 days, 23 hours, 21 minutes
My Previous TripsDavis Family Vacations: WDW/FW Dec. 1978, 1981, 1983, 1985, 1987, 1989, 1991 Mom and Me: DLR 1999, 2001 With Friends: DLR 2000-2005 Jones Family Vacations: DLR 2005-2007, WDW/FW Oct 2008 My very first WDW solo trip coming this December!!
Reward: Halloween Pixie x 1
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Old 11-03-2009, 01:18 PM   #12 (permalink)
 
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Scott! The hardest part is just to get started but once you see those debts start to go away you'll be happy to continue and you'll FEEL great about it! Best of luck!
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Old 11-03-2009, 01:19 PM   #13 (permalink)
 
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You'll make it. Be sure to leave yourself some fun money and do something to reward yourself for your progress as you go along.
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Old 11-03-2009, 03:33 PM   #14 (permalink)
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Scott! You can do it!
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Old 11-03-2009, 03:51 PM   #15 (permalink)
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