Posted on December 5, 2008 at 9:59 am our problem is we are so far in debt with only one card we cant find the end. we are able to make a little more than the minimum payments, but at that rate we will pay our house off first. any tips? i dont know which direction to go.

Posted on December 5, 2008 at 12:21 pm i see a lot of different systems out there

Posted on December 6, 2008 at 9:50 am The most obvious answer seems to be analyzing your spending habits. For example, if you visit the snack machine while at work, stop and put that amount aside so it can go towards your credit card debt. If you visit one of those latte places two or more times a week, stop and put that amount aside so it can go towards your credit card debt. Those are obvious. Here are some not so obvious examples. Everytime we went to the grocery store, I would buy a certain item. I did this everytime and it added somewhere around $3 to the bill. We went to the grocery store about 5 times a month. 3 times 5 equals 15. One day I asked myself why I was buying this item. I couldn't come up with a good answer. That $15 now goes toward our mortgage or credit card spending. The point is there are numerous items we buy through habit. You have to break the habit. I could go on for several paragraphs but I think you get the idea. You have to assess your situation and find the spending leaks. It sounds like you have a lot of them.

Posted on February 14, 2009 at 3:51 pm which company and how much was fee

Posted on February 15, 2009 at 9:13 am Doesn't it hurt your credit to have someone else handle your debts for you?  I believe I read that in the Dave Ramsey book.  My goal is to pay off my debt, and improve my credit.  I don't want to just pay off my debt.

Posted on March 25, 2009 at 9:52 pm I don't know what your interest rate is like, but call the CC company and see what they'll do for you. I call my cc company every 6 months and ask them for the promotional , 6 month interest rate. It's 3.9% for me, which is much lower than my usual interest rate. I can keep this interest rate as long as I want, as long as I call them every 6 months and have it applied to my account!

Posted on March 26, 2009 at 9:08 am That's a brilliant idea, Jenn!I was going to suggest rolling the debt onto a new card with lower interest rate; but why not just have the current card?  I hope others can use this idea. Very useful info!  

Posted on March 27, 2009 at 4:36 pm The more credit cards you get the more chances to have your credit score hurt. I would suggest to either swtich to another low interest card or something like that.

Posted on March 28, 2009 at 10:32 am The easiest way to get into deep credit card debt is to ignore your monthly credit card statement.  Often, credit card interest rates go unexpectedly and for apparently no reason.

Posted on April 2, 2009 at 9:17 am just keep trying to make money online and keep on top of your payments and you will get theregood luck