I've been reading these forums for months now and finally got the courage to ask my big, most troubling question. I am in so much debt and do not know hte best way out of it. I am embarassed to ask the other girls I work with, because I am afraid they will judge me as not making enough money and/or making poor financial choices. But I am panicking -I finally feel like I am in over my head. I just got out of college, but have been dancing for three years. I feel like a failure because I have not saved up a dime of my dancing money. Instead, I bought expensive furniture, lavish vacations and meanwhile have managed to rack up maxed out credit card debt. I don't know what to do. Financially I am screwed. Between interest fees up the ass, overlimit fees, and barely making monthly payments, I am suffocated in this debt. Two years ago, the money was great. I stupidly thought "Oh I'll pay the debt back later." I thought the money would always be there. I was so dumb. Now, the money has decreased dramatically in this business (as I'm sure many of us now realize) but now I am in over my head. Should I call a debt consolidator? Will that reflect poorly on my credit (I would like to buy a house in a few years if I ever manage to pay off this debt and keep saving my money). What should I tackle first? My credit card debt, the car I am fincancing, college loans (I took out before I was dancing). I feel really afraid and sleeping at night has become nearly impossible. Financially, I am a wreck. It's taking it's toll on me to the point where I am a wreck all the time. Can anyone help? I don't know what to do. Has anybody ever been in the same predicament? Please help me.


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