Let me introduce myself. My name is Sandy and I’m a 30 year old female. I live and work in New York and I’m in some serious debt. So 2009 rolled around and I decided that it’s time to take a real look at what I’m doing to get out of debt. I work a full time job and get home after 7pm most weekdays so getting a second job has been hard. What I’ve decided to do instead is focus on how I’m spending the money I’m making and how I can reduce what I spend without wanting to jump off the nearest bridge.

As of January 1, 2009 I owe various creditors something like $105,665.31. I don’t own a house so I can’t even make the excuse that it’s a mortgage. It’s some serious unsecured debt. So let me list out my debt to begin with. You have to know where you’re starting to know where to go right? […]