13 out of 13 people (100%) think this is worth doing.
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How I did it: I stopped using it almost ENTIRELY. That way, even if I paid only 50 dollars for it, the previous balance would be 50 dollars less after a payment for sure. In other words, it's easier to decrease the balance if you don't do things to increase it. I spent scarcely (not on snacks at the supermarket, or leisurely things), and that was hard, but I learned the value of frugality and I'm so refreshed now that I'm FREE. Break free of the habit while it's still early! Otherwise, NOW or NEVER! :o) Good luck, all.
Lessons & tips: Don't use your credit card at all. Focus your money expenditures on decreasing your credit card debt. This should be your top priority. It's hard, but looking at your decreased balance every month is a good motivation.
Success!! After 10 months of being in debt, I am now free of this demon! My boss told me about her credit card bullshit today. God that shits just bullshit. Avoid using credit cards, kids. I observed that a lot of ppl my age don’t use them well at all…
But, SUCCESS :o)
The idiots charged me 3 bucks for paying it off EARLY but no trouble, other than that. Easy. as. pie.
CONGRATS_cheers self
At my highest, I believe I was at the high 700’s in debt. Now it’s at $330! Trying to eliminate it by the end of this year 2009. I’m only a student, after all!!
So I racked up a ton of credit card debt through college and grad school. I also paid for part of my wedding and honeymoon on credit. Now that I have my first real “career” job I’ve been focused on paying it off. I made a really tight budget and put everything I can on my cards. I’ve paid off one and my wife and I each have one left. We cut up the cards and no longer use them. I’ve been doing this now for 3 months and in 6 months I will be debt free!
Amnesia2x is relaxin', looking for new music
I’ve been working on this for a while, but it’s taking forever to get the principal down, I’ll get there though.. and it’ll be wonderful once I have.
Im 21 years old and my credit is somewhat shot!!! I want to be able to buy my first car and to get my first home and I can’t do that if my credit sucks…Pls help me someone…u have no idea what it is like to get rejected by car dealers at a young age because of your credit score….PLS HELP ME!!!!
I’m seriously badly in debt with credit cards and i need a low interest loan to consolidate my payments all into one.
The interest on teh cards is high and I’m drowning and it’s ruinging my life around me, and changing the person I am and want to be, for the worst.
Anyone with honest clear advice on the best and QUICKEST way to get through this would be houred by me for lifetime.
Please Help.
Boston Kane
bostonkane@juno.com
A year ago about this time, I was nearly debt free! Then I had to help my mom out by giving her my car and sacrifice making car payments again. Then the boy bought his home and asked me to move in and guess who went girl crazy with decorating and painting… yep, me. So now, I’m back in debt with even more credit cards to my name. A year has come and gone and I’ve come to realize I spend more than I earn and put towards my credit card payments. So now I’m on a mission to clear my debt once again!
ghost_spine wants to get my teeth fixed
Manage my money better
buy a cool pair of designer jeans
watch buffy episodes
Visit Uzbekistan
Stop caring what other people think of me
backpack through Europe
Become a vegetarian
read every book I own
love someone unconditionally
get another tattoo
misswithers wants to Be nicer to people.
Buy a House
finish school with good grades
make more friends
write a letter to the president
zen
Get my bellybutton peirced
update my resume
walk more, drive less
get in shape, and stay there
get enough sleep
keep my blog updated
Finish my website
Fat5k wants to Run
dress up for Halloween
join Toastmasters
watch the breakfast club
