DEBT FREE!!!

ok so lets start at the begining.....


about 8yrs ago i had a really good friend named kathy. kathys family was pretty i would say poor. they had hardly any money and at that time i had no debt. so i would help her family out with stuff and everything. until one day kathy decided that i wasnt helping enough and helped herself to my credit card that was a $6,000.00 limit. by the time she was done and i realized it, the bill was $7,500.00!!!!!! when i took her to court with a lawyer with charges of idenity theft, plus she bought two brand new dell computer using my credit score and ss# and other stuff, the judge ruled that she had a right to it because she said it was out of charity. that since i had helped her family out many times before this that i did this also for her. so after two whole months of her paying about $600.00 total (not including intrest since it was over the limit as it was), she stoped paying. and left me with the bill. isnt that nice! so at that point i had two options: 1) declare bankrupce or 2) go into debt consoludation. which ment giving up my other credit cards, which at this point i was falling behind on payments bc of the stupid big one she messed up. so i decided to become debt free. i went into debt consoludation and worked towards paying off all the credit cards. as of last month June 16th 2009, THEY WERE ALL PAID OFF!!!! i was so excited. my cedit score has gone up and its imporving. i however have learned a lesson. one is that i will never lend alot of money to anyone if anyone...and that i no longer have a credit card. i have a debt card and thats all i use. sure i still have a cellphone bill but thats no problem. i now will be saving my ass off for robbie and mine future. he was so excited that i had done it all by myself and never asked for help to pay off the bill.

so i just thought i would say the great news. i do want to start saving however for a new car. my car hit 100,000miles last week and it kind of got me worried. granted i have an acura and its in great condition according to my mecanic. but still. i want to be able to get a svu soon and want to be able to pay for it all in cash or put a big down payment on it since robbie and i will mostly likely have a house at that point and other bills.

so thats it! thought i would share!