Can I Change A Car Than I Still Have Finance Note to Self – Debt Consolidation is Not a Loan!

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Note to Self – Debt Consolidation is Not a Loan!

I really am tired writing checks. I remember when I got my first checking account. Seeing the check numbers going up one by one. My mother’s account numbers were well over 10,000.

Hers were so high her bank didn’t even look to see if there was money in the account before they cashed one. That was back in the day when your banker knew you. Things have changed, Mom’s bank was bought out. Nobody knows anybody now.

Here I sit looking at this checkbook. It has beaten me up so many times I just want to scream.

What I need is a loan. I think, well maybe not a loan. I’ve been down this road before. I know the way out of debt is not with more debt. I can make my payments. A lower payment will not change my life. Getting out of debt, oh yea, THAT, will change my life.

I dream of how my life would change if my paycheck was all mine. Of course I’d still have expenses, the house, car, food and so forth. But if all the rest was mine to bank, I could save enough in 2 years to pay cash for a new car. Or I could finance a new car today and be stuck for 6 years. Yea, I know I can make bigger payments, but I don’t.

I want the payments to be gone.

I could easily live without a checkbook. If I have enough in the bank, I could do quite well on with simple debit card and ATM transactions. I would only use credit cards for travel or renting a car.

Typing is like a walk around the block. Yup, it keeps me busy and I am not writing checks HA! Did I tell you I am tired of writing checks?

The truth of the matter is I have recently finished a debt management program. I am debt free now, except for my car and house. It took me 4 years to pay all my unsecured debt in full. My credit score is 730. I never checked it while I was in that DMP. They said I would have a good score. I just wanted those credit card bills to go away.

Guess what, my credit card companies really did appreciate getting paid in full. Even though they got less interest in the DMP, My credit score is great. And I was able to get approved for a mortgage while I was still in the DMP.

I still don’t like my checkbook, but life is good.

J

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