we're not in a position to buy a house yet (although, with the rent we're paying.. we probably could be!) and i refuse to get any credit cards or anything. dp always wants to look at those car finance places to get a car, but we have two decent working cars.. so i dont see the point.
i have about 4 fines that i have combined, and i pay $20 a month, each time i get one, i add it to the mix (that sounds bad, but im talking 4 fines over about 4 years! one parking fine, and 2 speeding fines, and one fine for a car i sold that was never transferred out of my name, and there is nothing i can do about it.. grr)
We just have our mortgage to pay. We pay it weekly.
I'm really glad we finished paying off our credit card at the start of last month. One less thing to worry about.
We were in a nasty debt situation a few years back - I hadn't worked for several years and the basic necessities just kept eroding our position - ended up owing nearly $3K to the tax office, it doesn't seem like a lot now, but back then it was an impossible amount of money to repay.
In the end, we just sent a little now and again when we could and let it simmer. It's not like they can disconnect your tax !! Finally refinanced our mortgage, bought a new-old car, paid out a heap of bills, consolidated some old loans DH had, etc - best move we ever made. 5 years later -of which I have been fully employed only 2.5 years - and we've paid all that off and just have the mortgage to deal with again.
For us it is just the house too. I went through old financial records the other week to shred as I'd had them for 12 years lol, and we were in so much debt when we first moved in it wasn't funny $3000 loan here, $4000 there, another couple thousand over there, plus trying to pay the mortgage. I said to Andrew I am so glad all those little loans are behind us now.
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!! Finally refinanced our mortgage, bought a new-old car, paid out a heap of bills, consolidated some old loans DH had, etc - best move we ever made. 5 years later -of which I have been fully employed only 2.5 years - and we've paid all that off and just have the mortgage to deal with again.
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