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I just see it as one more annoying payment since the probability of ever getting it paid down is slim to none I would rather save money for emergencies than waste money on the card since there are always emergencies. But my husband would rather pay down the card is it better to save money on the side and chunk down a thousand at a time or is it better to just pay small incriments of three hundred dollars a month until it is paid down. Or should I find a credit company that is about to fold tranfer the balance of the debit to it and just wait for the companies to fold. That way my debt will be absorbed into their bankrupcy. What would be the best way to get rid of the debit?
Your problem is shared by millions of people around the world. And I am one of them until recently. I thought of the same as well. However, saving the money and pay a lump sum at at later time is not a good idea, because whatever interest that you get from your saving will not be able to cover the interest of what you owe to the card. As far as I know, credit company that is not doing well will normally taken over by another bigger credit company together with all the assets and liabilities. Which mean, the new company will be going after your very soon. I think the best way is by doing a little financial management. Firstly, you have to find out your monthly household income and move to a lifestyle which you can afford it. You might need to scarify by selling your car, move to a smaller house and sell of some of your assets. Your new lifestyle should cover your card payment and have some saving monthly Secondly, you need to convert the card payment to a fixed interest loan, so that you will be charged lower interest and a fixed repayment monthly. Thirdly, you need to cancel all your credit cards and never to use again. I hope this will help. Good luck.
Well, remember for every day you have a balance on your credit cards you are being charged intrest. Remember that teh credit cards intrest is by far and away MORE than a bank or CD even will give you on money saved. Therefore it is better to pay the darn thing off ASAP and then save your money. If you just pay a little bit at a time (and heaven forbid, don't pay the minimum, it is a trap) then it can take years and years to pay it off. What Dave Ramsey suggests is that you put a thousand dollars in savings for emergencies and then use a 'debt snowball' to pay off all your debt. Once the debt is gone, THEN start saving in earnest to create an emergency fund that is at least 6 months of your pay. Your last idea would not work in my opinion because, the company to try to avoid bankrupcy could just call in all your debt at once, or more realistically be bought out by someone else who you would now need to make payments to. I highly suggest you get and read Dave Ramsay's Total Money Makeover or Financial Peace University. He talks about the myths of debt and shows you how to get out of it.
Cut up your credit cards immediately,negotiate the best possible interest rate you can and consolidate them all on one.Or seek a low interest loan or line of credit at a bank to pay out all of them.Then,do the honorable thing and acknowledge that it's your problem.You (and your husband) created it and your both responsible for it, and stop trying to find a way to scam your way out of it.Shame on you.Bear down and pay as much money as often as you can to it. Honesty is the best policy.And in the future resist the temptation to get a credit card with one of those "low" introductory interest rates that jumps back up to 18+% in a few months.Credit card debt will keep you in bondage forever if you don't take positive steps towards elininating it ASAP.Oh yeah, and pray to God about it.God loves "can-do" type people,so get to work and find the resolve to solve your problem.Good luck Viv.
Don't hold your breath for the credit card company to fold. definately transfer it to a lower rate and pay it off as soon as possible. what the heck are you saving for an "emergency"? thousands of dollars of debt is an emergency!!!
You are lost in a dream land of oblivion, Vivian. You haven't any idea of which you rant. You have no personal budget. You don't know how to manage your money. You see life as one recurring financial emergency. It doesn't have to be this way. I'd suggest you research this. A couple of good reads are on Dave Ramsey or Clark Howard's sites. Good luck.
Wait for the company to fold?? Anyway, transfer to the lowest rate you can get and pay down ohio MUCH ohio POSSIBLE until it is paid off. And for pete's sake, don't use the card anymore.
Ive been in your exact situation. I did get rid of all my CREDIT cards and started repairing my credit. I got a prepaid debit card. This card has helped me and my family out tremendously. The bank reports my payments to the credit bureau monthly. This has helped me rebuild my credit. Check out this site
Cut all your credit cards up, that is the only way to stop charging
Debt relief programmes. There are many debt consolidation compnies offering such service. You can apply online also.
Pay double the minimum payment. Minimum payments basically just pay for the interest. Not what you actually owe. Keep paying that minimum payment and you will never pay it off. you will pay that bill forever.