Eric's Credit Community

Purpose of loan:
This loan will be used to consolidate (3) of my credit cards, as well as pay off my car loan which I owe just under $2000 on. I have made great strides this last year paying off some of my debt; however, the thought of reducing my monthly payments from (4) to only (1) is exciting. I think if I can obtain this loan, it will provide me additional motivation and drive to be free of my revolving debt within the next year or so.   I plan to be able to pay off this loan well before the (3) year mark.

My financial situation:
I am an extremely independent gal, who sometimes to her detriment, has chosen in the past to not ask for help from anyone for anything. I have learned that there are able people in this world that are willing to lend a helping hand, but we must ask. I do not expect anything from this posting, just perhaps hoping that I am given a fair chance to become successful financially as many others in this wonderful world.

I have (6) credit cards, (3) of them with balances. I have been using the ?snowball? effect to pay off all credit cards and have done a good job the last few months with paying some of them off, but the process just seems to take forever! I have to learn patience I guess. I only carry (1) of the cards in my wallet for emergencies or expenses that require credit card payments.

Most of my credit card debt has come from CPA study materials, exam fees, horrendous vet bill for my cat Leo who nearly died in my arms at the vet (glad to say he?s back to being a healthy baby boy??.he?s gained 60% of his body weight back), as well as a major car repair.

I just completed one of the most stressful phases of my life, but I made it out alive! I just passed the CPA Exam!!!! Now I feel as if I can accomplish anything. Bar exam here come?????ok, just joking. Next week my application for certification will be presented to the CPA Board and I should be receiving my license to practice in another 6-8 weeks. Once I have that little piece of paper I will get a promotion at work, as well as a $9000 instant raise. I plan to stay at my current job for another (2) years to gain some supervisory experience and then eventually would like to open my own CPA firm.

I have many dreams for my future, and one of those, being free from revolving debt, perhaps may be closer than I think. I can only pray!!!!!

Monthly net income: $ 3012

Monthly expenses: $
Housing: $ 499
Insurance: $ 93
Car expenses: $320
Utilities: $ 100
Phone, cable, internet: $120
Food, entertainment: $ 400
Clothing, household expenses $ 300
Credit cards and other loans: $710
Other expenses: $300