Get Out Of Debt -Take The Pledge

Are you ready to take charge of your life? Are you ready to be done with debt? Are you ready to stop the cycle of over-spending and remorse?

Are you ready to take action?

Use the Spending Fast (or the Spending Diet method) to get yourself out of debt once and for all. I recommend doing the Spending Fast since you will see dramatic results in a shorter amount of time. Also by doing a Spending Fast the discretionary spending doesn't come into play like it does with the Spending Diet (which can actually make it harder).

Commit to doing the Spending Fast for 1 year. I recommend a year time-frame so you can get through the tough beginning part (where all of your habits are getting changed) and get to the real-benefits part (debt pay-off).

Take the 1st step with SpringCoin.*

You can do anything for a year! Suffer a little today for a life of freedom from debt.

By signing your name below you are making a Commitment to finally get yourself out of debt.

This serves as a public declaration of your desire and commitment to become debt-free. While mistakes will happen (we're only human) this is your statement to stand by the process as you work towards debt-removal.

What will you do today that you will be proud of in a year?

A life without debt IS possible! YOU REALLY CAN DO THIS!

*Disclosure: I have been compensated for this placement

Count me in! This will be very, very hard, but I need to do this for myself and for my husband and daughter! Let the saving begin!

May 15, 2012 |

Samantha

I'm have officially about $12,000 in debt (two credit cards and a line of credit) that I am sick of having. Plus I'm living paycheque to paycheque. This stops today. I'm on a debt diet until this is all paid off. No matter how long it takes, I'm going to do this so by May 9, 2013, I am debt free. and that will be awesome!

May 9, 2012 |

Tara

As of this morning I have 26,358 dollars in debt -- 22,248 in student loans and 4,110 in credit card debt. It has dictated my decision making for too long, I PLEDGE TODAY to begin the spending fast!

May 7, 2012 |

Kathleen

I have 47K: 34K in student loans, 6K credit card and 7K personal loan (refinanced credit cards). I want to pay off the credit card and loan in 2 years (max, goal is 1.5 yrs). Then set a realistic goal for my student loans. I've changed some habits over the last 4 months. I found this blog via another finance blog and I'm ready to commit to change! I've stopped impulse spending on clothes, etc, but FOOD - happy hours, dining out, Whole Foods - is where my weakness lies. This may be good for my wallet and waistline.

May 3, 2012 |

itsjess

Alright. I'm doing it. I'm done with this tightening feeling I get in my chest when I think about how much money I owe. Nearly $73,000, mostly student loans but there are a few credit cards in there as well. I'd like to have my debts paid off before I have kids, which I believe will give me more motivation and a sense of urgency. My Spending Fast starts today.

April 25, 2012 |

Lara

I am taking the pledge! My husband and I have nearly $112,000 in debt excluding our home. $90,000 of it is student loan debt at around $45,000 each. The rest is revolving debt we acquired when he lost his job and we had our daughter. We want to get this debt under control so we can lead a self sufficient lifestyle! Spending fast will be hard with a baby, but we are going to give it a shot!

April 25, 2012 |

Danielle

I've been saying to myself that 2012 is the year I will get out of credit card debt, but now I pledge that I will do it I have 9K in credit card debit. I also have a car loan of 20K which I can handle but the credit card is weigh me down, and my stress about money and not being able to afford to live out of home is ruling my life.
So I pledge no more clothes, no more DVDs or music or knick knacks, and no more sitting on my butt about getting another job I'm going to put my but into gear and get it done

April 22, 2012 |

Charlie

Done and Done count me in!

April 10, 2012 |

Tommi

I am in...I have about $5k in credit card debt and am living paycheck to paycheck with no savings. I have to get this paid off and start saving. So inspired to start the spending fast:)

April 5, 2012 |

Christina

I found this blog two days ago and have not stopped reading! I had a long talk with my husband about starting the Spending Fast now, and carrying it on through his deployment (leaves end of this year, will be back next summer). I will be fasting for the entirety of his deployment, while he will be getting a $200 a month spending limit (you would be surprised how much the guys need when they are in the desert!).

I have near $28k in debt that needs to be paid off. I am glad to have found this blog, and am gladly pledging to pay off this debt through the spending fast/diet!

March 29, 2012 |

Leslie

My plan is to begin the diet/fast April 1st. I finally feel as though I am in the right mindset to do this.This was suppose to be the week where I bought a few 'last minute' purchases to get the wardrobe through the spring/summer season ~ nothing over the top, honest. So, I'm standing in line waiting for the next available till today and I couldn't bring myself to purchase what was in my arms because it was a want and not a need. I left the store emptyhanded, feeling great about my lack of purchases! I know everyday will not be as easy as today was, but I'm looking forward to the challenge!

March 29, 2012 |

Anna, you are so inspiring! I saw you on the Nate Berkus show and I was amazed. I am starting a new job at the end of April and that is when I am starting my spending fast! I owe my parents about $14-15,000 and I feel terrible about it everyday and I just want to get that stress off my back and this is probably the only way I'm going to succeed. Thank you for the inspiration!!!

March 28, 2012 |

Cales

I'm in. I have debt totaling $12,000. I had just accepted that I would never get out of debt. I resigned to a life of making miminum payments and wasting the rest of my surplus money on entertainment and shopping. But this blog and the comments of fellow debtors inspire and encourage me to take control of my spending and my debt. I feel hopeful.

March 27, 2012 |

Oh Lord, help me.

March 27, 2012 |

Danni

One month update: spent $285 less on groceries this month than the previous 4 weeks, and put the extra toward my credit card! Looking forward to even more improvement this month!

March 26, 2012 |

klsp

Thanks for reminding me that there are many different ways to get creative when it comes to making extra money. I'm in and can't wait to be debt free.

sue

March 25, 2012 |

Sue

I took the pledge in December 2010. At that time I had $55,000 in debt including credit card and auto debt. I decided I had enough of debt. I got rid of my newer car and bought an older car for cash, moved to a cheaper apartment. I cut up my credit cards and went on cash. It was a real challenge and was difficult at times. I now have just $6,000 left and will have it paid by June 2012. I can't wait to finish this and I will start funding all extra money to savings and retirement. Thanks for your inspiration!!

March 25, 2012 |

Robert

This is great, I've been trying to do it on my own for some time now. People scoffed at me and said it was to extreme, they will stay in debt. It's nice to know there are others that are willing to make the change.

March 25, 2012 |

Berta

Totally IN!! Just paid off the first credit card @$1000, only four more cards (and an auto loan, and a private student loan, and...eek!) to go. But seriously, paying off the first card this morning(!!) felt AMAZING and I really appreciate how much your blog is helping me take control of my spending. Thanks so much!

March 17, 2012 |

Shelley

I'm only 24 but I have $52,000 in student loan debt. I want to start early and get it paid off within 5 years in stead of the standard 10 years. I want to start making good financial decisions out of the gate so down the road I can have a nice comfortable life without being in debt. Thank you for the inspiration!

March 8, 2012 |

Jill

I started the spending fast about 2 weeks ago and have been writing down the money I make vs. what i spend. At the end of February after just two weeks I saved $545 and sent that off to pay for my 14K student loan debt. After about 5 years of ignoring and deferring my payments in order to travel and live comfortably I have decided to get rid of that debt as soon as I can using the spending fast and my spending diary. I randomly found this website when googling how to cut my own hair (I did and it looks awful) and it has been a scary realization that my net worth is a negative amount of money even if i have plenty in the bank. It's going to be tough and having money on my mind 24/7 is really stressful ( i think about it more now than ever) but I will succeed and get rid of this debt. Thanks Anna!

March 2, 2012 |

Emily

I'm trying for Lent. I know I will actually (really, really) need a few work things for spring (first job out of school), but definitely committing to no going out to eat/drinks. Can't wait to see how far I can go!

February 26, 2012 |

klsp

Ready to get rid of the credit card debit, so tired of living with it hanging over my head. Love your site, and know it can be done if I put my mind to it.

February 23, 2012 |

Tammy

I am also in. I have been trying to get out of debt for the last 10 years, As soon as I am near paying off my credit card then I just start making debt again. I today pledge to be debt free by the end of 2012 :-) Thanks for this website. It is inspiring.

February 23, 2012 |

Tania

Sooo ready to get out of debt! We are at about $18,000.00. That includes everything but mortgage. Our dream to start our own business is on hold until this debt is under control! I started budgeting in January and have knocked out 3 bills already. My blinders are on (no binge shopping) and nose is to the grindstone. Here we go!!

February 21, 2012 |

Kathy

I just "stumbled" upon your blog today and I already love it! :D
In comparison with numbers I see above, my debt seems not so relevant, but it does annoy me to count every cent. :D I don't earn much and my debt now is about 2,5 monthly salaries + a bit that will be paid off by August.
I would love to travel more again and take some courses which right now doesn't seem doable, considering the whole in my budget. So, I'm in.

I already have some ideas on how to earn extra money (my boss laughed when I asked for a raise) but I can't get myself to start. Hellllp!
Ah, yes, I'd love to quit this job and do something else. Owing money to the bank prevents me from doing it.
I take the pledge to live debt-free as soon as possible.

February 20, 2012 |

Diana

40k in debt on my line of credit ... has been "creeping" up for years, i don't know how it happened but ignoring it is obviously not helping, i keep thinking that as i make more money it will be easy and natural to pay it off but it's only getting worse. It's time to take action, NOW!!!!! I'm ready to stop being stressed out about it all the time.

February 15, 2012 |

Jacky

I am ready to take the pledge! Last year I got into $7,000 of credit card debt trying to pay for my wedding. My husband also has his own credit card debt to the tune of $5,000 and both of us have a heap of student loans (mine--about $10,000 and his about $20,000). Long story short, we have a lot of debt and we're tired of feeling financially crushed. I have been trying to pay stuff down over the last few months, but when I got hit with a $500 medical bill this month I realized that paying debt needs to become my number #1 priority so that I can get things back under control--once that bill hit I barely had enough to pay my basic expenses and I had to use my meager savings to get by. I am not one for shopping or spending a lot in general, but I have some weaknesses (particularly eating out) that have to change. If I can take control over my expenses from eating out and other entertainment activities, I am confident I could pay down some of my debt. I want to take the pledge to do the spending fast and get out of debt!

February 14, 2012 |

Emily

Count me in!

February 14, 2012 |

Niki

This last year has been great in terms of looking at money and debt realistically. My blog has been my lifesaver BUT I have let bad habits creep back, so I commit, once again, to get back onto the same bandwagon I rode on all last year. I bought and paid for a car, in cash. I paid down $7 k in cc debt, and saved $10k. Reality check indeed, I am about to repeat, only better.

The reality is, I know I can do it, I want to do it, and I am going to do it. As are all you lovely people above...remember, without freedom we are lost. Francesca the TM.

February 14, 2012 |

Tasmanian Minimalist

I'm in. I'm done worrying. I'm done lying awake at night. I'm done wondering how we will ever be able to retire. I'm just done. We're bringing home more money than we ever have...and have less disposable income than ever. Time to change that. Happy Valentine's Day to us. It's time to fix this.

February 12, 2012 |

Cyndi

I am new to this site and found it by accident.I am completely Ready to start my spending diet and yes I have a lot of debt but for me the first step is not buying anymore Things only the basics.I am a Shopaholic that loves to Shop but I realize all that it does is make my apt overcrowded and me broke!!I can't keep spending yes It's a temporary fufillment but that's the problem.As soon as I leave the store I am sick especially because I can't return the stuff. I have to do it cold turkey and now will!!!Thanks for your inspiration!!I will have a new goal on selling my extra stuff and paying off my debt so I can live Free without the weight of bill collectors.I can't believe it finaly sunk in now!Please pray for me that I stay on track. I will change my spending for my future!its starts today Feb 2nd! I thank you so much!!!!

February 2, 2012 |

Broke Fashionista

I figured we'd pay off the $15,000 in credit card debt eventually. But after the birth of my daughter in October and returning to work in January, I decided I NEED to be a stay at home mom- I miss raising her and seeing her grow, too much. My daughter is my inspiration. My goal was to be stay at home mom with her by the end of the Summer, but my husband just lost his job so I am afraid that won't be happening. Perhaps by January 2013? Nothing has made me as committed to NOT spending as my baby girl!

January 27, 2012 |

Amanda

It has taken me about four years to pay down 30K of my debt (education, car, credit cards). Now that I am 10K away from being 100% debt free, my goal is to accomplish this in the next 6-8 months with the help of the Spending Diet. Your website's practical advice WILL keep me on track to meet my goals in 2012.

January 24, 2012 |

Cali P

Tired of the dread that comes with opening the Visa bill. I'm done. Done buying things I don't NEED just to feel better. I am committed to getting rid of the debt and only spending money on NEEDS.

January 24, 2012 |

Adele

I would like to pledge that from this moment on, I am on a spending diet and will free myself of debt within 6 months. Last year I paid off the last of my $14k loan and I now have $5k of credit cards to pay off. We are moving country and will be unemployed for a little while but I am going to get that well paying job, spending wisely and pay off my debt!!

Thank you so much for the inspiration <3

January 21, 2012 |

Evalyn

I'm constantly unsettled and stress over my debts. I have swear off Credit cards and now I want to SAVE up and pay off my debts. BRING IT ON. 2012 will be a DIFFERENT year! Welcome all bright suggestions to make it anyway easier. U GO GIRL!!

January 18, 2012 |

Kris

I'm in. I'm sick of making myself sick, obsessing over my debt.

January 17, 2012 |

Christine

After spending hundreds of dollars on "stuff" I really didn't need this weekend I have decided to take the pledge. I have some serious debt and I need to get out of it. My friends are in full support (probably so I will stop complaining about all my debt while standing in line at Whole Foods.) No more emotional spending for this gal. Thanks for the incentive. ☺

January 15, 2012 |

Sarah

We're IN!
Its amazing how much things have already changed for us since Nov 2011 when we took the pledge. Looking forward to your continued advice and support forum in 2012.
Thanks Anna!

January 15, 2012 |

Lena

It's been a mental commitment for my husband and I for 2012 but this makes it sort of official doesn't it?! I love love love to thrift/antique shop and I think my friend might kill me! But We are in. Good bye debt!

January 13, 2012 |

Christina

I'm in. I will start on January 15, 2012. I have ~76K (84% student loans) I need to pay off- then hopefully I will can buy a house.

January 10, 2012 |

Wren

I'm in. This will be hard, but it's time to make a change. Thank you for the inspiration, Anna.

January 8, 2012 |

Kelly

i'm in! i started the spending fast on january 1st, but am just now getting around to letting the whole world and all of the blogosphere know. 6 days down...only 359 to go. waaaaaaaaaaaa!

January 6, 2012 |

hilary

Okay, I keep reading my story over and over and in my mind i know i need the fast--for the entire year!
My story is a tick different. I have been disabled and will never be able to return to my life/career as a kindergarten teacher.
I tend to spend. NO, I DO Spend to make me feel better. And guess what? It does not make me feel good for any more than 5 minutes.
I am on and I need to use your site as my homepage so I see this everyday and build myself up while learning to save. The rainy day has come.

January 4, 2012 |

Nancy

I sat on New Years Eve and added up all our debt (98% I created) and I almost passed out cold. Needless to say, I am considering even going to shoppers anonymous, as well as debt therapy--does that exist??? I have been doing my best to keep the diet under my control. I actually walked the mall for 3 hours yesterday with a friend, and only bought lunch (6.00). Honestly do you know how many sales are going on right now?????
I feel like I am going through withdrawal!!!

January 4, 2012 |

kris

January 4, 2012 |

kris

I am absolutely on board..... 2012 Debt Free!!!!

January 4, 2012 |

Maria Nirva Tenor

My husband and I are in! We reduced our debt last year so we don't have that but if we EVER want to buy a house and retire someday we really need to be saving TONS now. I am sticking to JAN and FEB but I think we will go longer once we see the rewards from our fast. I love your blog so much (Just found it the other day) and it has already been super helpful. Thanks so much and I am excited to see our savings grow!

January 4, 2012 |

The Valyous

Okay, I'm ready. One of my main goals in life is to be able to live without the anxiety of the next bill and the next and the next. I need to cure myself of some bad habits and put the credit card to bed for good. We'll start with a year. Then, we'll see what happens.

January 4, 2012 |

Leanne

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