Back in college, I consolidated my CC bills. Now Im clear
teenigrrl
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Re: GAME: BILLS W/POLL
Posted by AndRecKy
how did everyone get out of credit card debt???
transfer to 0% CCs and pay it that way.
snwb08
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Re: GAME: BILLS W/POLL
Posted by teenigrrl
Posted by AndRecKy
how did everyone get out of credit card debt???
transfer to 0% CCs and pay it that way.
exactly. i also usually pay it off with either my bonus or tax refund... i never let it get above $2k though.
TGs Lady 22908
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Re: GAME: BILLS W/POLL
omg......i have an ungodly amount of credit cards.
FH and I share 11 between us....it's a sick, sad thing. We also pay a car loan, car insurance, one cellphone bill (for 2 phones), two best buy loans, a dentist bill and TiVo (which is the least of my worries).
I'd actually have some friggin money if I could pay down my damn credit cards.
That's what happens when you're 18 and have no money.
AndRecKy
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Re: GAME: BILLS W/POLL
Posted by teenigrrl
Posted by AndRecKy
how did everyone get out of credit card debt???
transfer to 0% CCs and pay it that way.
i paid my way through my masters degree so i think that is why i am so broke....i have no student loans but alot of credit card debt....i feel like the end of the day i pay my bills and i have no money for food or my credit card....its really bad
kristi313
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Re: GAME: BILLS W/POLL
i just got a headache thinking about our bills
we have the mortgage and all the normal house hold bills (utilities)
car payments & insurance cell phones home equity loan a few CC w/ small balances
it's really insane, it makes my brain hurt
SoVic08
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Re: GAME: BILLS W/POLL
car insurance
cell phone
1 mastercard. i dont ever use.
jennandrolo
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Re: GAME: BILLS W/POLL
o boy here goes.....
T-mobile (both of our phones) Gas (with the price of gas these days its like a damn bill) Planet Fitness Macys Capital One Bestbuy Dell Home Depot Mastercard Ikea Circuit City
All but Macys, Bestbuy and Dell have less than a $500 balance but its still alot
skinny237
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Re: GAME: BILLS W/POLL
Posted by missliss
Posted by AndRecKy
how did everyone get out of credit card debt???
seriously, share the wisdom....
I used to have a lot of debt and horrible credit. I know this sounds silly, but I went to freecreditreport.com. I pay $12.95 per month but I get unlimited credit reports. They contact me when there is a change to my credit report. By looking at my credit report each month, I saw what things were really affecting my credit. There are all kinds of resources on their website too, so you can figure out which things are really bad for your credit. After a year of using the service, my credit is up 150 points.
anneandchris
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Re: GAME: BILLS W/POLL
Ok so I watched this whole thing on Oprah like a year ago but it really stuck with me on how to pay off CC Debt.
1. try to switch what you can to either 0% or even a low fixed rate. Don't do this too many times because they are queries on your credit report
2. Pay off the lowest balances first. I thought that seemed odd, but i did it and she is right. You pay off that first while making minimum payments to others and then you free up cash to make larger payments as time goes on.
3. DON'T USE THE CARD!!!!!!
I am shoveling my way out of CC debt from when I was young and stupid. It ***** but it feels so good when you see that number coming down!
dajc23
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Re: GAME: BILLS W/POLL
I get so sad thinking about this cause i'm poooorrrrrrr
Car insurance 2 student loans 1 CC (but I barely use it and has like the smallest limit lol) Hospital bills (DONT EVER GO A MOMENT WITHOUT HEALTH INSURANCE!! please take my advice lol) Verizon (even though FH pays it mostly)
but I have so much debt outstanding, I feel like i'll never get out of it. Grrrrrrr
angl2001
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Re: GAME: BILLS W/POLL
my kohls card, mastercard, and doctor
xXxNovember08xXx
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Re: GAME: BILLS W/POLL
AmEx, Macys
Mici n KC
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Re: GAME: BILLS W/POLL
I have a CC but I only use it when I travel for work and then I get reimbursed by my company.
tiff940
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Re: GAME: BILLS W/POLL
Rent Electric Water Cable/phone/internet 2 Cell phones 2 Cars Geico-car insurance Allstate-renters insurance To many credit cards to list-will pay off with wedding money Dogs daycare-yes we're crazy Life insurance for FH and I
Next month we will also have a mortgage, and taxes, and next year I will start paying my student loans
TheFutureMrsM
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Re: GAME: BILLS W/POLL
FH does all the bills, even mine, he probably has at least 30 different bills, plus his business bills, which there are tons.
He says he LOVES to pay bills. It makes him feel good that he can afford them. He is nuts lol
jteach711
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Re: GAME: BILLS W/POLL
Ready for a long one:
Rent Car payment Car Insurance Student Loan Credit Card Consolidation Loan (almost done with this) Cell Phone Gym Any store credit card that I may have used that month
Okay, its not as bad as I thought
ChristineAaron08
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Re: GAME: BILLS W/POLL
Lets see,...
rent car car insurance phone cell phones 2 student loans then whatever credit card bills we have (like 2)...so 9 ugh
ETA...2 gym memberships...haha..whatta waste of $$
lucamon
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Re: GAME: BILLS W/POLL
This is a very good questions, lets see.. and this is only my bills, not including FHs, and we splite the first 4 bills... 1st mortgage 2nd mortgage property tax home insurance car loan car insurance cable + internet + home phone electric heat/ gas cell phone plus FH's bills, it costs us over $5500 per month on just on bills, that doesnt even include food, gas and personal expenses. sometimes I wonder why we didn't move off the island.
MeaganAndJoeC
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Re: GAME: BILLS W/POLL
there are to many to count b/w school loans.. yes that means two .. car payment.. insurance...hall...and dept store credit cards
