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How about a washer or dryer Can I buy one for cash anywhere and get a wholesale price if I pay cash. NO!
originally posted by: diggindirt
It sounds like you need to sit down and make out a written budget---for a month, a year, and at least for five years.
The initial work to put together such a document is the hardest part for most people because of the time required to figure out exactly where the money is going. Not to say that prioritizing spending is easy. But it must be done. (I tell my Congresscritters this on a regular basis but they seem not to be properly bothered by debt.)
I learned the debt lesson early in life and if there is anything I have to thank my ex-husband for, it is that lesson. When he took off leaving me holding all the credit card debt, the mortgage and a car payment, I learned quickly.
In order to get out of debt and stay out, budgeting and sticking to the budget must become a habit. If you don't learn to control your money, it will control you.
It works. I've seen people dig themselves out of some pretty deep holes when they had a dream and came up with a plan to make that dream come true.
Your first task is to make the plan for having what you're dreaming of---a house. Sit down and seriously study your finances and ask yourself what you would be willing to live without for a period of time in order to have that house. If you're married with a family, it should be a family decision/plan.
I'm in agreement with several previous posters on the issue of a new car. To me it's like tossing several thousand dollars out onto the parking lot when you drive it off the lot. If you are incredibly rich, that's not a big deal but to most of us, it might be several months of paychecks.
Treat those credit cards like deadly vipers. They are dangerous.
It can be a struggle but the rewards are worth the sacrifices when you look at your home and can say, "It's ours!"
Best of luck, I'm wishing you well.
WAY TO GO ....
Reply to Atsbhct
originally posted by: crimsongod21
The problem with most people is they buy stuff they don't need, with money they don't have all to keep up appearances.
Simply put if you can live without it don't buy it, I know it's a hard thing to do and it's hard on your kids too not to have the newest and nicest toy out there but you learn to understand that it's better to never need for anything bit to sometimes want for something.