Comments on: 10 Steps To Escaping The Paycheck To Paycheck Cycle http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 10 Feb 2012 00:09:10 +0000 hourly 1 By: Paul D http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/comment-page-1/#comment-163885 Paul D Sat, 13 Jun 2009 07:20:35 +0000 http://www.ncnblog.com/?p=1937#comment-163885 Great article. It's a wonderful, scary day when you create that list of debt! It's important to keep any setbacks in context, and realize that they are just that, and to that end, keeping a credit card handy (never heard the freezing technique, lol) is always a smart move. Great article. It’s a wonderful, scary day when you create that list of debt!

It’s important to keep any setbacks in context, and realize that they are just that, and to that end, keeping a credit card handy (never heard the freezing technique, lol) is always a smart move.

]]> By: Stephanie http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/comment-page-1/#comment-140770 Stephanie Thu, 25 Dec 2008 18:58:54 +0000 http://www.ncnblog.com/?p=1937#comment-140770 I just got married & am doing 3 budgets; his, mine, & ours. We are not using credit cards anymore, but paying cash for everything; the debt reduction is going well. We have a little more than $500 in savings. However, after all the fixed exjpenses are paid, there is only about $240/mo left. But we have a cat & dog that's not included yet. (My new husband isn't ready to get rid of his dog nor can I force him (I have become attached to the dog too as my pet therapy). And the water heater, garbage disposal, & carpet also needs to be replaced/repaired. Where do we come up with the money to get these expenses taken care of when we're trying not to use credit cards, increase savings, & at the same time continue to decrease the debt? Oh, by the way, just when we have all but one credit card paid off next June (barring any unforseen problems), his student loans kick in for the next 30 years. Please respond to my inquiry. It's great seeing other people having the same goals we have made since getting married this summer...I don't feel so alone. I just got married & am doing 3 budgets; his, mine, & ours. We are not using credit cards anymore, but paying cash for everything; the debt reduction is going well. We have a little more than $500 in savings. However, after all the fixed exjpenses are paid, there is only about $240/mo left. But we have a cat & dog that’s not included yet. (My new husband isn’t ready to get rid of his dog nor can I force him (I have become attached to the dog too as my pet therapy). And the water heater, garbage disposal, & carpet also needs to be replaced/repaired. Where do we come up with the money to get these expenses taken care of when we’re trying not to use credit cards, increase savings, & at the same time continue to decrease the debt? Oh, by the way, just when we have all but one credit card paid off next June (barring any unforseen problems), his student loans kick in for the next 30 years. Please respond to my inquiry.

It’s great seeing other people having the same goals we have made since getting married this summer…I don’t feel so alone.

]]> By: Roger http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/comment-page-1/#comment-140768 Roger Thu, 25 Dec 2008 17:22:41 +0000 http://www.ncnblog.com/?p=1937#comment-140768 I read your, "The 10 steps to escaping the paycheck to paycheck living", it has encourage me to continue with my budget plans and I think I am on the right track after reading your article about living paycheck to paycheck. I also had to pull my personal credit reports to see what I have on the reports and accordingly set up my budget plans. It's a wake up call for me also to realize that I am not going anywhere with my personal finance if I continue to live paycheck to paycheck. Thanks for the info. I read your, “The 10 steps to escaping the paycheck to paycheck living”, it has encourage me to continue with my budget plans and I think I am on the right track after reading your article about living paycheck to paycheck.

I also had to pull my personal credit reports to see what I have on the reports and accordingly set up my budget plans. It’s a wake up call for me also to realize that I am not going anywhere with my personal finance if I continue to live paycheck to paycheck.

Thanks for the info.

]]> By: Michelle http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/comment-page-1/#comment-139904 Michelle Wed, 17 Dec 2008 01:58:27 +0000 http://www.ncnblog.com/?p=1937#comment-139904 I'm actually employing a lot of the same methods you took on, and it's working well for me. I still basically live paycheck-to-paycheck, but I'm getting out of debt very steadily, so huzzah. I did take an extreme step with my and my partner's credit cards -- I took them and froze them in a big block of ice. Extreme, but I'm chipping away at the debt (and not the ice!!). I’m actually employing a lot of the same methods you took on, and it’s working well for me. I still basically live paycheck-to-paycheck, but I’m getting out of debt very steadily, so huzzah.

I did take an extreme step with my and my partner’s credit cards — I took them and froze them in a big block of ice. Extreme, but I’m chipping away at the debt (and not the ice!!).

]]> By: kelly http://www.ncnblog.com/2008/12/04/10-steps-to-escaping-the-paycheck-to-paycheck-cycle/comment-page-1/#comment-138991 kelly Mon, 08 Dec 2008 00:07:10 +0000 http://www.ncnblog.com/?p=1937#comment-138991 I am courious to find out what type of "emergency" warants your dipping into the emergency fund? I am courious to find out what type of “emergency” warants your dipping into the emergency fund?

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