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Archive for November, 2009

Last Chance

November 19th, 2009 at 07:26 am

I told my husband that I am finally ready to go to one of those non-profit credit counseling places. I have had it with trying to do this on our own and getting nowhere. I like to do things by myself, so it's been hard considering this option. I know we have the money to do it, it's just these stupid unexpected debts that keep coming up. I hate them I tell you!

Anyway, I have been battling similar situations for our almost 6 year marriage and I am finally to the point where I don't care if we get out of debt on our own or with the help of a counseling agency, I just want to see progress! I'm hoping that perhaps having a third party involved would help him be more committed and somehow these personal debts will end.

He asked for one more chance to try and do it on our own. I asked how long he'd need for that "one more chance" before we reconsidered this option and he said that it was up to me. So, he has one more chance. I really would like to do it on our own and I do think that the changes coming in February will help us in our goals, but if the counseling could help bring more stability and the peace of mind I'm craving, I'm interested.

Have any of y'all used these services? Do they set it up that you can still tithe (as we do and will not stop) as well as have some money for a cushion? Basically, we pay about $750 a month in minimums right now, but if we kept to our budget we should be able to send $1200 (my goal) a month even after tithing and setting money aside in a Freedom Account.

I'd like to hear your thoughts and personal experiences of how they work out your budget with you. Also, most of our credit cards are at 9-13%, not 20 and 30%, will they still be able to help us in getting those rates down?

Thank you in advance!