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Libragal07
Loving Summer.....
Member since 8/06 6636 total posts
Name:
Samantha aka Sammy Bones
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Credit Card debt??
I am seeing a lot of you don't have any credit card debt... I am curious to see how many of you guys are in my boat and do, and how many don't...
I am doing the debt snowball right now and I am not happy 
and if you do how are you fixing the problem?
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Posted 10/26/06 9:46 AM  |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Credit Card debt??
I pay them all off when the bill arrives
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| Posted 10/26/06 9:47 AM |
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Libragal07
Loving Summer.....
Member since 8/06 6636 total posts
Name:
Samantha aka Sammy Bones
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Re: Credit Card debt??
Posted by SweetestOfPeas
I pay them all off when the bill arrives
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| Posted 10/26/06 9:49 AM |
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~Colleen~
my loves...
Member since 5/05 9129 total posts
Name:
guess
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Re: Credit Card debt??
The bill's are paid off in full when the statement arrives.
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| Posted 10/26/06 9:50 AM |
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Moosey911
LIF Adolescent
Member since 5/05 771 total posts
Name:
Nicki
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Re: Credit Card debt??
We used to pay them all off when they came....until the wedding, a house, my animal rescues and re-homing, and DH going to medical school (he only works per diem as a medic twice a week)....and well, my measly income as a nyc cop and a per diem medic, just don't cut it every month anymore.
We've actually gotten to the point where certain bills get paid every OTHER month.
But, once he's done....we'll be sitting pretty with an excellent household combined income---with my MA completed and hopefully moving on to the Feds.....we'll be out of debt in the next 6 years.
So, yeah....you're not the only one  
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| Posted 10/26/06 9:50 AM |
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LuckySV
LIF Adult
Member since 10/05 4675 total posts
Name:
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Re: Credit Card debt??
Posted by SweetestOfPeas
I pay them all off when the bill arrives
Same here. But I use one card frequently for the cash back rewards and sometimes I want to  when I get the bill!
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| Posted 10/26/06 9:51 AM |
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HollaGirl
Merry Christmas !!!
Member since 10/06 3308 total posts
Name:
Kristen
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Re: Credit Card debt??
We have Zero
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| Posted 10/26/06 9:53 AM |
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Sweetpea130000
My Love!
Member since 5/05 2375 total posts
Name:
Shandra
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Re: Credit Card debt??
we have 2-5K but most of that is for Levitz where we have no payments, no interest until 2008 and are paying money towards it every month
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| Posted 10/26/06 9:54 AM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: Credit Card debt??
we have a decent amount- we are working on paying them all off
it's manageable but it pisses me off
I already paid off $10K years ago- but when I moved to the city I could not afford to live the way I was used too
it has only made my credit score better
my advice is to knock out the smallest ones first- then us that money to pay off more and more
you get a sense of accomplishment from paying off a bill that motivates you to keep going
take them all out of your wallet- i don't walk around with anything but a debit card now
no more Amex- I realized I could have paid off all my cards with what I have given Amex alone this year- so I am cutting back alot - if I don't need I am not buying it
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| Posted 10/26/06 9:54 AM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: Credit Card debt??
Posted by SweetestOfPeas
I pay them all off when the bill arrives
Same here... DH cannot tolerate any debt. The fact that we have a mortgage keeps him up at night. He's paid it down substantially in the past year.
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| Posted 10/26/06 9:55 AM |
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Shorty
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Member since 5/05 30390 total posts
Name:
really
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Re: Credit Card debt??
i paid it all off a couple months ago - but now I have $1400 worth of tuition on it again.
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| Posted 10/26/06 9:56 AM |
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KGools
Happy
Member since 9/06 9532 total posts
Name:
Kim
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Re: Credit Card debt??
Posted by Libragal07
o how are you fixing the problem?
I actually took out a debt consolidation loan with my bank and I'm paying off an interest free CC... slowly but surely.
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| Posted 10/26/06 9:57 AM |
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Libragal07
Loving Summer.....
Member since 8/06 6636 total posts
Name:
Samantha aka Sammy Bones
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Re: Credit Card debt??
Posted by Beth1210
my advice is to knock out the smallest ones first- then us that money to pay off more and more
you get a sense of accomplishment from paying off a bill that motivates you to keep going
take them all out of your wallet- i don't walk around with anything but a debit card now
no more Amex- I realized I could have paid off all my cards with what I have given Amex alone this year- so I am cutting back alot - if I don't need I am not buying it
this is EXACTLY what I am doing ..its not fun but gotta do it
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| Posted 10/26/06 9:57 AM |
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leighla
Support Cancer Research
Member since 5/05 16353 total posts
Name:
Lauren
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Re: Credit Card debt??
We're in a lot of credit card debt, but we're working very hard to pay it all off right now.
EVERY extra cent every month goes to credit cards.
We had a couple necessary home improvement projects last year, along with our washer, dryer and oven breaking.
Plus $11,000 for our In Vitro. I'm still waiting on $8,000 from Cigna, so that will help a lot!!!
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| Posted 10/26/06 9:59 AM |
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TreAnt427
-
Member since 8/06 8652 total posts
Name:
Tracy
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Re: Credit Card debt??
I have about 1K right now - I usually pay it off when it comes in but this is our honeymoon so I have been paying it off for a few months. Should be paid off by the end of Nov and then I will have no CC debt. FH on the other hand.......is another story!
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| Posted 10/26/06 10:01 AM |
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MrsPorkChop
Twinning!!
Member since 5/05 9941 total posts
Name:
Missy
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Re: Credit Card debt??
i pay it all off- even if i have to go into my savings.
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| Posted 10/26/06 10:02 AM |
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johnsae
Sip.
Member since 3/06 18677 total posts
Name:
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Re: Credit Card debt??
My Dad told me from a very young age that the worst thing I could do for myself financially is to carry credit card debt. He got himself into a bad situation with it at one point in his life, so I was always paranoid about it. I have never had credit card debt.
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| Posted 10/26/06 10:03 AM |
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Tine73
Member since 3/06 22093 total posts
Name:
*********
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Re: Credit Card debt??
The years after college graduation, I managed to rack up over $25k in credit card debt! I used a debt management company to consolidate them and it took me 4 years to pay it off. I am not debt free and my credit score is really good. It was the best thing I ever did.
Now I only use my debit card. If I don't have the money, I don't buy it.
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| Posted 10/26/06 10:06 AM |
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Elbee
Zanzibar
Member since 5/05 10767 total posts
Name:
Me
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Re: Credit Card debt??
We ebb and flow throughout the year ... some months we carry a balance, some months nothing ... I don't really tap into savings for any of it though, since it's always a small amount (under $2,000) and is paid off in a month or two.
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| Posted 10/26/06 10:07 AM |
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jozieb0925
Double Trouble!
Member since 5/05 4358 total posts
Name:
Josie
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Re: Credit Card debt??
The only debt we have right now is my student teaching tuition...it's all on a zero percent credit card and we hope to get it paid off by this summer...since it's on the zero percent, we have been making very low payments..it feels like forever... but I can't wait to be DEBT FREE!!!
Message edited 10/26/2006 10:14:22 AM.
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| Posted 10/26/06 10:10 AM |
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monkeybride
My Everything
Member since 5/05 20541 total posts
Name:
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Re: Credit Card debt??
We pay it in full when we get the bill.
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| Posted 10/26/06 10:11 AM |
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Akajt98
Sooo Excited
Member since 6/06 2252 total posts
Name:
Jill
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Re: Credit Card debt??
I had racked up close to 30k in credit card debt while in college. Since then I have managed to pay it all off and love living debt free. When I got married I took on my DH's 11k in cc debt and now that I am in control of the finances we are making huge payments and should have a zero balance within the next 2 years.
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| Posted 10/26/06 10:12 AM |
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Libragal07
Loving Summer.....
Member since 8/06 6636 total posts
Name:
Samantha aka Sammy Bones
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Re: Credit Card debt??
Posted by Akajt98
I had racked up close to 30k in credit card debt while in college. Since then I have managed to pay it all off and love living debt free. When I got married I took on my DH's 11k in cc debt and now that I am in control of the finances we are making huge payments and should have a zero balance within the next 2 years.
good for you!
Message edited 10/26/2006 10:21:44 AM.
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| Posted 10/26/06 10:21 AM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Credit Card debt??
I had a lot of CC debt, but have took measures to pay it off. One of the things I did was take out a personal loan to pay off a high interest credit card, since the interest offered by the bank was much lower, and also I am required to pay a certain amt. each month so I know it will be paid off in 5 years.
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| Posted 10/26/06 10:23 AM |
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MrsS1126
MY FOREVER
Member since 1/06 1671 total posts
Name:
Jackie
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Re: Credit Card debt??
I'm happy to say we are both all paid off...we owe nothing, it took me many years to be able to say this
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| Posted 10/26/06 10:25 AM |
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