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  1. Debt Reduction & Money Management
    I have found myself in credit card debit. It is making monthly living VERY difficult. I know I shouldn't have EVER got these dang cards but here I am...turning to anyone with some experience. I need to pay these cards off ASAP!! Our reoccurring monthly bills come to a grand total of $2251...
  2. Debt Reduction & Money Management
    The 2nd Rule of Prudent Economics: Let’s cut to the chase. The principal culprit for ruined financial lives globally, is the credit card. Without equivocation, credit card debt is the most expensive form of liability in the world. Period! Despite this simple truth, billions of consumers...
  3. Success Stories
    I just set up our LAST CAR PAYMENT! WOO HOO!!!! Still very busy with Baby, who is going on 8 months old. But I needed to post this - we are SO EXCITED! We need a 4-door car, but we're going to enjoy NO CAR PAYMENTS for a good while! Now to fund that Used Car fund... and work on other steps...
  4. Debt Reduction & Money Management
    I have a line of credit at $19,500.00 @ 10.25% and a CC at $10,500.00 at 19.99%.....what should I focus on?? :cents: When I look at it, they're both sorta the same and I dont know what to do. I can pay only the interest as a minimum payment for the line of credit (which comes out to about...
  5. Dave Ramsey
    Wife and I called in 2 hits to our debt today, $1600 of the CC debt GONE ($600 & $1000) AND we funded our March envelopes FULLY thanks to both a decent commission check and selling more stuff on craigslist. So nice too cuz that reduces our credit cards from 4 to 2 altho the last 2 are larger...
  6. Debt Reduction & Money Management
    Hopefully this is the right area of the forums to ask this question.. Hubby and I are both working and desperately trying to make ends meet. This past summer our 12 year old son fell and broke his nose; after surgery/deductible/misc fees, etc we have a 3,000.00 hospital bill to pay. We also...
  7. Blog
    The mail comes, you glance at your bills and drop them in the “To Be Paid” pile. Then, on the appointed day, you write out the checks or direct the online bill pay to do its thing and then you forget about it until next month. In the process of paying your bills, do you really read them? Do you...
  8. Debt Reduction & Money Management
    I've heard them all, I think - reasons to use Credit Cards and then pay them off in full each month. Never mind that statistically, 57% of card holders carry a balance from month to month, that means 4 out of 10 ppl actually DO pay them off. Never mind that more than half of bonus miles and...
  9. Debt Reduction & Money Management
    DH was looking at doing a "balance transfer" of sorts from one CC to another. Here's our current situation: The VISA is a 19.75% APR card with a balance of 5904/6000. The Mastercard is a 11.4% APR card with a balance of 2100/5500. DH wants to take 3400 off of the Mastercard and deposit it...
  10. Debt Reduction & Money Management
    Well dh went to check his credit score and report this morning (he uses a service that's $10 a month and lets you check it whenever you want). Lo and behold Sears closed his account due to 'inactivity'. Mind you this is the same account that has $135 on it right now from a freezer we bought 2...
  11. Debt Reduction & Money Management
    You're right, this does feel good! WOOHOO!:rockon:
  12. Debt Reduction & Money Management
    Be sure to keep good records. I'm sure glad I had transaction numbers, etc., with our latest dirty trick by a credit card company. So, we had one card we were carrying a balance on since March, because that was when DH had a month of unpaid leave (he works in an entertainment related...
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