Comments on: How The Budget Fashionista Got Out of Debt http://www.thebudgetfashionista.com/archive/budget-fashionista-debt/ Women's Budget Fashion, Style Advice, Designer Coupons Tue, 14 Feb 2012 16:04:07 +0000 hourly 1 http://wordpress.org/?v= By: Paulinehttp://www.thebudgetfashionista.com/archive/budget-fashionista-debt/comment-page-1/#comment-162831 Pauline Tue, 06 Dec 2011 01:52:11 +0000 http://staging.thebudgetfashionista.com/wordpress/?p=6841#comment-162831 I live in Europe where credit card use is much less the standard that it seems to be in the US. Why spend money you don't actually have? How can buying something like that ever feel good? I'm 31, I've never been into debt and I have a nice little savings account. I buy my clothes from normal, quite low-budget retailers, and then mostly on sale. If you know what to look for, there's always good items to be found amidst the lower quality stuff (I recently bagged a woollen coat for just 25 euros). I buy my furniture and decorative items for my -small, cheap, but very cosy- apartment mostly from auction sites and charity shops. I never liked the modern Ikea-style anyway, and I like to give my own twist to things so 2nd hand will do fine for me. You wouldn't believe the bargains I've found online, from a brand new sofa for only 50 euro's to handmade hardwood furniture like teak tables, wardrobes and handcarved chairs. Quality stuff for mostly less then a quarter of the original retail value. Just be creative (sew your own pillow-cases, or rev up a piece of 2nd hand furniture with a bit of paint or some new handles), use the internet to look for bargains, learn to love the simple life and the little things that are free, and DON'T use any creditcards! Ever! I live in Europe where credit card use is much less the standard that it seems to be in the US. Why spend money you don’t actually have? How can buying something like that ever feel good? I’m 31, I’ve never been into debt and I have a nice little savings account. I buy my clothes from normal, quite low-budget retailers, and then mostly on sale. If you know what to look for, there’s always good items to be found amidst the lower quality stuff (I recently bagged a woollen coat for just 25 euros). I buy my furniture and decorative items for my -small, cheap, but very cosy- apartment mostly from auction sites and charity shops. I never liked the modern Ikea-style anyway, and I like to give my own twist to things so 2nd hand will do fine for me. You wouldn’t believe the bargains I’ve found online, from a brand new sofa for only 50 euro’s to handmade hardwood furniture like teak tables, wardrobes and handcarved chairs. Quality stuff for mostly less then a quarter of the original retail value.

Just be creative (sew your own pillow-cases, or rev up a piece of 2nd hand furniture with a bit of paint or some new handles), use the internet to look for bargains, learn to love the simple life and the little things that are free, and DON’T use any creditcards! Ever!

]]> By: Hareianahttp://www.thebudgetfashionista.com/archive/budget-fashionista-debt/comment-page-1/#comment-90177 Hareiana Thu, 19 May 2011 18:49:25 +0000 http://staging.thebudgetfashionista.com/wordpress/?p=6841#comment-90177 For those not wanting to give out personal identity and access to bank accounts while realizing the power of personal budgeting and smart money management with the ease and convenience of an online web app, Out Of The Dark (OOTD) Budgeting is one little website gem to check out. In addition to side by side budgeting and cash tracking, you can manage monthly put-aside amounts, transaction accounts for loans, credit card debt management and personal assets tracking, all for free on the web in total anonymity. Google OOTD Budgeting or go to myootd.org. For those not wanting to give out personal identity and access to bank accounts while realizing the power of personal budgeting and smart money management with the ease and convenience of an online web app, Out Of The Dark (OOTD) Budgeting is one little website gem to check out. In addition to side by side budgeting and cash tracking, you can manage monthly put-aside amounts, transaction accounts for loans, credit card debt management and personal assets tracking, all for free on the web in total anonymity. Google OOTD Budgeting or go to myootd.org.

]]> By: Unemployed with MShttp://www.thebudgetfashionista.com/archive/budget-fashionista-debt/comment-page-1/#comment-67106 Unemployed with MS Wed, 26 Jan 2011 23:43:46 +0000 http://staging.thebudgetfashionista.com/wordpress/?p=6841#comment-67106 I have been divorced for over 12 years. It was the best thing that could have happened to me financially. I was flush, even, no consumer debt. Then I fell back into the same bad habbits of buying what my kids wanted. I guess I have trouble saying no to them. My dad tells me that I am a push over. (I now understand why my mom never tried to take us with her when she shopped)I lost my job and had to put things on credit card. I became reemployed and cut up the credit cards. I again got on the stick and had no consumer debt. At the age of 50 I lost my job and got Multiple Sclerosis so again I find my self in credit card debt. I have yet to go into remission. My unemployment benefits are due to run out this months, which was how I was paying for the expensive medication. Without insurance it would be 3700 per month. I worked with the company to get them to pay the 800 copay per month. The worst part about the disease is the uncertainty. I want to work but find it difficult to walk fast or far. I have been told that Disability will take 2 years and everyone is denied the first time around. I have been making my house payment to date. So I know how to get out of debt if I have a job. But how do you do it if you don't have a job? I am certain the situation will resolve itself. I would like ideas of how others have done it. Thank you and God bless. Worried in Iowa. I have been divorced for over 12 years. It was the best thing that could have happened to me financially. I was flush, even, no consumer debt. Then I fell back into the same bad habbits of buying what my kids wanted. I guess I have trouble saying no to them. My dad tells me that I am a push over. (I now understand why my mom never tried to take us with her when she shopped)I lost my job and had to put things on credit card. I became reemployed and cut up the credit cards. I again got on the stick and had no consumer debt. At the age of 50 I lost my job and got Multiple Sclerosis so again I find my self in credit card debt. I have yet to go into remission. My unemployment benefits are due to run out this months, which was how I was paying for the expensive medication. Without insurance it would be 3700 per month. I worked with the company to get them to pay the 800 copay per month. The worst part about the disease is the uncertainty. I want to work but find it difficult to walk fast or far. I have been told that Disability will take 2 years and everyone is denied the first time around. I have been making my house payment to date. So I know how to get out of debt if I have a job. But how do you do it if you don’t have a job? I am certain the situation will resolve itself. I would like ideas of how others have done it. Thank you and God bless. Worried in Iowa.

]]> By: Amyhttp://www.thebudgetfashionista.com/archive/budget-fashionista-debt/comment-page-1/#comment-66727 Amy Tue, 25 Jan 2011 13:45:53 +0000 http://staging.thebudgetfashionista.com/wordpress/?p=6841#comment-66727 Awesome post! I got out of debt last year and it is such freedom to not be in bondage to lenders! I have completely stopped using credit cards and I don't want any type of financing, especially for things that I should be saving up to pay for. Dave Ramsey has some great books as well on this topic. You should check him out! Awesome post! I got out of debt last year and it is such freedom to not be in bondage to lenders! I have completely stopped using credit cards and I don’t want any type of financing, especially for things that I should be saving up to pay for. Dave Ramsey has some great books as well on this topic. You should check him out!

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