so i did it. i went through my bills and wrote down the amounts owed. some things i didn't have the bill for, so i had to call and find out the balance. what's the damage?
that is the amount i owe including my student loans. without my loans i owe $6831.62, which isn't THAT high, but as i stated in the last post, most of that is owed to collection agencies.
so now what? i tried to do a preliminary sketch of how much i have to pay out per month and check that against my salary. every month i have to purchase/pay for...
|Discover Card--$335 (will be paid off in October) |
my monthly take home is around $2200/month, and once i switch jobs it will increase, although i'm not sure by how much.
so writing it down has taught me a few things (some i already know).
- i don't owe THAT much: i owe less than $7k, which is totally doable.
- I spend money on random things: I take home nearly $500 more than I need to spend, yet at the end of the pay period i'm always broke.
- I have some room to pay off my other debt, but i have to be smart about it: before i call up the collection agencies and play let's make a deal, i should have an idea of what i can pay and not get bullied into paying more than i can handle.
now....if anyone has advice as to how to deal w/ collections agencies that would be great.