My Plan to Eliminate Massive Debt

Budget for November 16th

2007-11-17T14:58:00.000-08:00

So, here's my budget for this week:

Currently: $419.76

To Pay:

$80 Groceries

$40 Gas

$35 Lane Bryant

$116 Air Tran CC

$100 Water

$41.53 Storage

Balance: $7.23

This week, I will work to meet payout on CashCrate, TreasureTrooper, FairyTaleTreasure, and Hits4Pay. That will be a minimum of $65, which I will use to pay on my Medical Bill. I hope to have that bill paid off by January 1st.

I'm SO Excited!!

2007-11-12T21:10:00.000-08:00

I purchased the Mint Jobs program a couple of months ago, but really didn't do much with it until recently. I have been reading all of the information I got with the program, and I have learned so much!! Tonight I got an e-mail saying I had a sale!! The second one I've had so far. At $34.95 commission per sale, I have made more money than I spent, plus learned a wealth of information. I'm so happy!!

Trying to Get Organized

2007-11-12T07:40:00.000-08:00

I have really been all over the place on this blog. I am really going to try to get focused in this next week, and try to get this blog organized. My Plan is to post daily, and stick to the subject at hand: My debt, and what I'm doing to eliminate it. I will be posting a daily account of Beginning Balance, money spend, and money earned. Then I'll try to make any other postings and reviews be back links, or something. So, please, do come back and check out my new format. I will have it done by the end of the week. Thanks for stopping by!

Reading and Learning

2007-11-07T19:16:00.000-08:00

I didn't want you all to think I fell off the face of the earth. I have been reading and learning. I spend every available minute on the internet, trying to learn all I can. I have gotten an immense amount of help and suggestions from the wonerful people of MyLot.com. I have been given numerous tips and sites to visit. So, that is where I'm focusing my energies, right now. So, when I weed through all the junk, and find out what works best, i.e., what pays the most with the least amount of effort and time spent on the computer, I can share it with you. I am doing the legwork, so you don't have to! Please, drop me a line and say hello, or feel free to leave a comment or suggestion, as well. I'll be updating my budget info either Friday, or over the weekend. I am making some money, though. Little by little, I am seeing results of all my hard work!

Check Out My Lens

2007-11-04T20:47:00.000-08:00

Check out my new Squidoo lens! It details my favorite beach in Florida.

Please Don't Go!

2007-11-04T20:44:00.000-08:00

Please, I need your help. I am desperately trying to supplement my income by my online activity, and I need your help. It would help me out if you could just spend a couple of minutes here, reading my posts, checking out my links, or even registering at some of my suggested sites. I SOOO very much appreciate any help you can give. Without you, this will never work. Thanks so much!

In the Hole

2007-11-01T09:01:00.000-07:00

I am really in the hole right now. I am $276.46 in the negative, as soon as I send out a check that must go out. I'm so totally stressed. But I know it will work out, somehow. I just need to figure out where I can get about $300 in a hurry, until Hubby gets paid next week. Uggghhh!!!! I am so SICK of being in debt!! I will continue to work hard online, and try to get us out of this mess!!

TreasureTrooper

2007-10-31T09:03:00.000-07:00

I really like using Treasure Trooper. My first check with them was $63. I like the setup of the site. It's fun, beacause every time you complete an offer, you get a bonus game, where you can win pearls. The pearls will be added to your account once the offers approve, and you can use the pearls to buy referrals.

Also, with every offer, not only do you earn cash, but you get gold coins, which will be added to your account when the offer approves. The coins can be used to purchase various things, such as pieces to a map, or journal pages, mouse pads, etc.

There are several mini games within the site that make it fun. There is a treasure hunt, with many different elements, which I enjoy.

The offers are basically the same as CashCrate. Go to Cash Offers, Select 100% Free, and sort by popularity. On both sites, there are offers you can do to earn more money, but they usually cost you something, so I never do them.

Treasure Trooper also has a referral program similar to CashCrate, and their site, too, is easily navigated. Feel Free to ask any questions you may have.

If you decide to check them out, I would appreciate it if you would use my link. Thanks!

CashCrate

2007-10-30T20:01:00.000-07:00

I have found CashCrate to be a very good program. It costs absolutely no money to join, and you don't have to spend money to make money. I find their site very easy to navigate, and it is easy to find what you're looking for. I have found other sites of this nature to be entirely too 'busy' and hard to find what you're looking for.

It is easy to make money on CashCrate. They offer a daily survey, of which you can complete 2 per day, for .80 each. Not much, but if you did both each day, and nothing else, you would make $48 per month. Easy money. You can do unlimited free offers, and easily make $100 or more per month.

They really do pay, when they say they will. Their customer support is great, too. Also, they have an excellent referral program. I have researched CashCrate, and hear nothing but good things about it from other people who use them.

How it Works

Basically, once you sign up with CashCrate, you go to 'complete offers'. I click on the 100% free tab, and I sort by ratings. CashCrate lists what you need to do to get credit for each offer. Then, just click on the link of the offer you want to complete, and complete the requirements for that offer. Viola!! You have earned money!

I do recommend using a different e-mail address for offers, though, so your primary e-mail doesn't get flooded with junk e-mail. Use your primary only when you sign up with CashCrate. I use gmail, and I use a different e-mail address for each company. You can have as many e-mail addresses as you want with gmail.

The minimum payout is only $10, as opposed to most other sites I have seen, where the payout is $20, $30, or even $100. As long as you earn at least $10 per month, you will get a check. It is VERY easy to make minimum payout, for a small amount of time.

I know it doesn't sound like much, but it is an easy way to make extra money. I know that $60 or $30 check comes in mighty handy when it gets here. :) Another way to really increase your earnings with CashCrate is through referrals. They pay you $3 for each referral that makes minimum payout, and also 20% off all referral income. You also get 10% of 2nd level referrals. Once you get referrals, you can make VERY GOOD money without doing anything at all at CashCrate.

Also, CashCrate is one of the few sites that allows members from other countries.

If you decide to give CashCrate a try, I would really appreciate it if you would use my link. Thanks! I would be happy to answer any questions you have about CashCrate.

Still Plugging Along...

2007-10-23T20:27:00.000-07:00

I am still plugging along on my quest to earn extra money. I spent most of the weekend working online, writing articles, completing surveys, and preparing stuff for e-bay. I didn't get all of the surveys done, but I am working on it. I did, however, get 27 things listed for sale on e-bay, and I have been working on my blog. WHEW!! I really need to learn HTML! I know what I want my blog to look like, but I have spend a lot of time (and gotten a lot of headaches) trying to get it there. Still working on it. I think I am going to try to take a crash course on HTML within the next few days. I also wrote 3 articles for Helium and Associated Content. I am diligently working to get the ball rolling, but right now, it seems like I am rolling a rather large boulder up a very steep hill. But I WILL NOT GIVE UP!! I am reading everything I can get my hands on. I am waiting to get some things published on AC and Helium. I was able to work out an arrangement with one of my credit card companies, though, to pay a smaller monthly amount, and they will waive the late charges and overlimit fees, as well as lower the interest rate for a year. I have already done that with one of my cards, and it has been a big help. Just so you know, these cards have both been closed.

Step By Step

2007-10-19T11:39:00.000-07:00

Okay, I am going to list, step by step, what I am doing, to help those of you, who, like me, need to see things laid out in simple form. I do just want to give credit where credit is due; Amy Bass has a blog of her own, and has really been an inspiration to me. I have gotten a lot of ideas from her. Please check out her site; there is some very useful information there.

http://www.mydebtfreegoal.com/

Okay, here goes:

1. Balance checkbook to bank as of RIGHT NOW.
(I have a whopping $423.98.)
2. Add paychecks of $800.00 (2 weeks pay).
3. List ALL monthly expenses. I listed them both in order by total debt, and by importance.
Since I am behind, I need to pay the most important bills first; food, rent, transportation, and
utilities. After the necessities, then I pay the ones with the smallest balance first, in order to
work on getting them paid off. Yes, my phone is ringing off the hook with people wanting
money; thank God for caller ID. If I don't know the number, I answer, then hang up, all in
one motion, lol. That way, they can't leave a 5 minute message with 15 phone numbers, and
telling me how important it is that I return their call. I know I'm late. Leave me alone. I will
pay when I can.
4. I am paying all bills that are past due, and leaving enough money for groceries, gas, and lunch
money for my son. I did not send the minimums of a few credit cards, since they were
astronomical, so I simply sent them what I could. They can deal with it. The total bills I
am paying this week are $663.54, leaving $175 for groceries, gas, and lunch money. That
leaves $235.44 to go toward next week's bills.

Hopefully, I can make some money on e-bay this weekend; I'll let you know how it goes. :)

Just Starting Out

2007-10-19T07:43:00.001-07:00

I am just starting out, and learning as I go. You will see a lot of page changes in the next several days, as I am new to blogging. So, bear with me, please.

My goal for today is to sit down, and take a good, hard look at my financial situation as of right now. (I know it's not good, so I've been putting it off.) But, after I see where I'm at, I will formulate a plan, and share all with you.

My goal for this weekend is to put at least 5 things up for sale on e-bay, complete at least $10 worth of offers on CashCrate, Treasure Trooper, and FairyTaleTreasures, each. Also, I will list my referral link for each of these GPT sites on several free search engines.

Sick and Tired...

2007-10-19T06:34:00.001-07:00

I am sick of being up to my eyeballs in debt, all $191,000 of it. It makes me sick to look back over the years, and see how much money we have blown, and to know that if we had made better choices over the years, we would be very comfortable financially. As it stands, we are broke, broke, BROKE! I am ready to put on the breaks to the way I have been doing things, and start eliminating my debt!