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How to pay off my credit cards
It made me
What a relief!!
 "It feels so good to be free from the Credit Card Debt!!"
How I did it: I first focused on my smallest credit card debt. I paid the most on that one and then just the minimum on the other ones. Once that one got paid off, I took the extra I was putting toward that one and put it all to my next smallest one. I kept doing this until all but one was paid off. By the time I got to the last one, I was making a real dent in my balance with every payment. I had quiet a bit of debt, but it only took me 18 months to pay it off!! I am so happy I did! Lessons & tips: Make a budget and every bit of extra you get, put it toward the smallest credit card. That way you feel like you are really making ground on your debt! Resources: I think that Dave Ramsey and his budget advice can help anyone!!
9 people found this helpful
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atinygoat would rather be at the beach.
How I did it: I used to be one of those people who paid off the monthly balance every month.. but then life got in the way.My first stumbling block was student teaching. I had to shell out $17,000 for the privilege of working for someone else, full time, for free. No problem with that except that I could only work about 15 hours a week while student teaching, which means I started putting things on my credit cards and not paying off the ent… Read how I did it…
How I did it: I sold my stock at my job to pay for last year of school rather that take out $10Gs more in student loans. I used part of the money to pay the $4Gs I owed on total on two cards. Read how I did it…
How I did it: Sold my condo and paid off all my credit cards. The condo had turned into a money suck too so it was a great decision. Now the only debt I have is student loans! Read how I did it…
emmaroo is avoiding marking by being on this site
How I did it: An easy option for me. Glancing through the financial pages of the Guardian they pointed out that money in savings was making so little at the moment due to rock bottom interest rates that it was more useful to use some of your savings to pay off something with a high interest rate. Bit of a no brainer really. I had intended to do the 'pay off a little at a time' idea but as we're saving for another baby and money is rea… Read how I did it…
How I did it: I never paid just the minimum and put any extra money I received like bonuses & tax returns against the balance. It helps to put the damn card away too. Any time I had to use it I paid what I'd just spent and at least twice the minimum. I called the card company and asked them if they could reduce the interest too. Read how I did it…
I owe
19,404 and they want 388 which I sent.
these are awful. I had to transfer some balance to this card and they charged me 207 for the transaction fee,
another card I owe…5539.00and they want 156 for a minimum.
I work and have nothing left for my life!
Balances as of July 7, 2009:
Credit One: $234.26
Capital One: $741.28
Citicard: $3,482.14 (EEK!)
Total: $4,457.68 (double EEK!)
This has been going on for awhile. I have three cards. One of them only has around $200, one has about $750, and then my really big one has over $3000, which is the one causing all the trouble. But I’m chipping away slowly, but surely. I just paid my Capital One (the $750 one) bill yesterday and its not due till the 23rd so that’s good. And I made a $150 payment on the big one a few days ago. It felt great.
i did this, then i put more money on it again because of a car fiasco. trying again. my goal is to pay it off my the end of the summer – i am holding that loosely.
atinygoat would rather be at the beach.
I will have no more credit card debt!
This excites me very much because:
1) I hate being in debt
2) I planned on paying my cards off long, long ago.. but then I had to go and get hit by a drunk driver, lose my job due to my injuries, and deal with two insurance companies who refused to pay me anything, so my credit cards became my only way to survive.
And now they are all but done! Woohoo!
1)b of a card. $12,217.00 bal.
I am sending 6900.00 to that one today.
2)12,534.00 webster bank. I am sending 250 but also using one of their bal transfer checks for the above acct. I will do that math later.
(interest rate went really high on card #1)
3. this bill has not arrived yet.
atinygoat would rather be at the beach.
Woohoo! One down, one to go!
pinkxpussycat I'd actually have to sleep to dream
One is paid off and hasn’t been touched! The other one, however, keeps getting run up because it’s connected to my debit card! My goal is to live off cash the next paycheck coming up
Chelsea L. (princess in waiting) is contemplating life, and Shakespeare.
It took only about 2 years to get into the heap of debt I’m in, and now I’m trying to turn in around within a 6-month time frame. I went online and looked up a lot of advice on how to overcome debt, and the best I’ve found thus far was this: look at all your credit cards and begin paying off the ones with the smallest amounts on them first. As you pay off one you can commit all the money you were paying on that card to the next one, so your debt gets paid off that much faster. I started applying this strategy two months ago, paying minimums on my other cards and putting all my extra money into my lowest balance. Now that card’s paid off! Because of that I’m able to dedicate an extra $50 to my next card, and once that one is paid, I can dedicate an extra $100 to the next one! I think if I’m able to keep on track (control my urge to shop) and not stress myself out about it, I’ll be able to achieve my goal in no time. It felt so good to cut that card up!!
SHAIN wants to Receive a postcard from all 50 states
hav fun
find an address for a phone number free of charge
Be optimistic
be more social
take a pottery class
Hitchhike
Buy a Telescope
make a pinhole camera
win the lottery
Watch Smallville episodes
find a job
wingedmirage wants to identify 100 words that make me happy
eat less sugar
Join a professional choir
be the one
watch The Da Vinci Code
Lose weight and get fit
become a millionaire so i can build a big animal shelter for all ill treated animals
feel okay
become a movie star
read
change everything wants to clean the garage
learn to crochet
grow taller
