When I moved here four years ago I brought credit card debt with me. My husband had a good SSD check and then when he turned 65, it became his regular check. SS. It would have been easy to live on out there but he spent money we did not have using credit. Once he had a bunch of credit cards and loans he had me get some. Not as many as he had. Then when I was eligible for my SS I took over paying my own. I took our names off each other credit cards. I had a very small check since I never worked at jobs that made a lot of money. Then when I was able to get Medicare I signed up for part B even though I had to pay $134. a month out of my check. He did not want me to sign up for it. Well of course, he had the VA for health insurance and I had nothing. I figured they would be carting me off to jail for not having anything but they never did. I wanted it in case of an emergency.
It was in my head for about ten years to leave him and my home. I am not saying that we did not have good times. There are a lot of good memories but I had to decide if they were worth staying for or not. No, I was so miserable. Sorry....didn't mean to get sidetracked. I had all this debt when I moved here. Plus a very small check. My goal became to pay off debt and I am pleased to say that I have been doing well with that. Even though I did purchase the batteries for Jazzy a couple of months ago using a card. I considered that an emergency since it is what I use for getting to the stores.
A good share of my check goes for these credit cards and one loan. I am never late. I always pay more than minimum. If there is something I want to buy, I save up for it over a few months time. Many times by the time I saved up the money for it, I change my mind and don't want or need it. Within the next four months, I will have paid off my credit union loan (they are already sending me notices to get a new one with a fifty dollar coupon off!) and that is my biggest payment. Within that same time period, I will have another credit card paid off also.
I am using the "snowball" method on the others. So all the money I paid monthly on the two I paid off will go toward those. It will be a relief to me to get them down and gone. If I could sell anything from my storage locker and put that money onto this debt I will or would. Once the loan is gone though, I will be able to add enough money on these other cards to make a difference. I have removed them all from Amazon, Netrition and Walmart online. I did not set up an emergency fund because if I have cash in a bank account then it affects all the help I get. I think they do not want you to pay off your debt. In my eyes that would be stealing and my credit score was a factor for this subsidized living here. So the money I would have used for auto expenses is basically what I use to pay these off.
I know I did not make the right choices in life or in men. But not going to worry about that now. I see the light at the end of the tunnel today.