Joy Magazine


Over the last few decades we've had lots of ways to spend money. Now, with the economy making a serious "correction," people are changing their ways, so this month Have You Heard? asked women: What are you doing to stay out of debt, and how are you managing the debt you have?

Judi Honore, Ashland

I'm not your typical in-debt consumer. I was raised on a farm in Iowa where I was taught frugality big time. My mom and dad owned a fruit stand and their motto was, "We sell the best and eat the rest." I never use credit cards and I don't even have a debit card. I don't want to go shopping with play money. My house is paid for; my car is paid for.

Carolyn Prentiss, Ashland

I pay cash and shop at garage sales. Everything is paid for. It feels great. Now, I just need some income.

Alene Kaplan

I use only one credit card and pay that off at the end of the month or pay as much as I can on it. It takes everything a family makes to maintain what they have. So if I buy anything, it's something I really need, not something frivolous. Not in this economy.

Trica Parks, Hillsboro

I live simply, so others can simply live. That's a bumper sticker, but it's how I try to live. We keep our debt to a minimum — only the house and the car. You have to assess; is it a want or a need? We have three kids, so there are a lot of needs.

Beth Williams, Eagle Point

We're managing very carefully now. It's getting hard, because we're down to four days a week at work. I'm trying to cut down on everything that I can and I don't use a credit card. I paid it off and cut it up.

Erin Flynn, Ashland

I'm working to pay off debt and prioritizing repayment, or I'd probably be home taking care of my daughter. Now, my husband works during the day and I work at night, primarily to pay off student loans. But I found something I enjoy. I teach at the Medford Opportunity High School, the alternative school.

Jennifer Veitch, Grants Pass

I am working two jobs; I used to have three"¦ I'm not managing debt; I'm using my credit cards to get through this time.

Aletha Bonner, Ashland

Along with all our credit card debt we have two mortgages, so we aren't managing, now. But things are beginning to turn around. I have faith. I know we'll make it through. We just don't accumulate any more debt, now.

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