biancoa
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We use to be in over $50,000 in total debt (not including the house). It was so bad. Never ever ever again.
I didn't grow up with the best parents as finance mentors. They never taught me to save or invest. Through the years, I've made my mistakes and now I'm ready to move on. It's more then just credit card debt, it's about chaning your lifestyle. Dave Ramsey calls it the "Stupid Tax".
-Angela
Rat Race Club: http://www.ratraceclub.com |
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CowboyBill
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None!
See www.daveramsey.com |
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jk447388
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i do not do credit cards by law - i watched my little sister max out 3 cards without a care in the world over the next few months she got worst with store cards and loans to pay this crap off..... needles to say she now lives back with my mum as her flat was reposesed and her boyfriend left because she lied for to long to cover up the debt she was so ashamed that she had put them in.
Never will i get into that sort of mess, if i can't afford it - I WAIT!!!! |
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Maid Angela
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No debt I dont have a credit card |
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mizz1985
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im 21 and i can gladly say that i havent got any credit/store cards or debt and i dont intend to get any either.you dont miss what u dont have |
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carolewkelly
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No credit card debt even though I use a credit card for virtually everything I buy. In the past I have used it to pay college tuition and vacations.
I have no debt because I never charge more than I can pay at the end of the month...never.
Why do I use a credit card if I have the cash? Because I have a cash-back reward card. I am being paid to use my card - and it has no annual fee. Additionally, I get interest on my savings for the extra weeks it is in the account.
It works for me. |
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MR. Clean
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Just a teaspoon full of credit card debt I had it clear for awhile but something come up and I had to use it,. But I almost have it cleared again.
Good luck you can do it. |
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eli a
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We have another system.
your bank account is in debit...
but now it changed also.
it is a question of character.
don't buy byond your ability.
but not everyone can resist it... |
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mel
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I am carrying about 400 right now, but when the bill comes in I will pay it off IN FULL as always. |
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Midwestern Girl
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very little, but lots of student loan debt still. |
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pouya t
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$2000, and Im a full time college student so its hard to pay it off, but I'll do it. I have not spent ANYTHING for myself for the last 6 months, and every penny went to my credit cards. Almost finished, thank god. |
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pat e
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I am lucky I cut up mine years ago and if I don't have the money I don't get it untill I do that way you stay out of debt |
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herbie36f
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ALOT!!!!! |
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Joy_Brigade
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Nine thousand and some dollars.
How bout you? |
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spoof
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A thousand pound left, used it for training purposes, then increased my income by an extra 200 week,the debt (interest free card) will be paid off in few months but still gaining extra wages for years to come. Will only borrow money if it makes me money in long term. will do additional training in 12-18months time again. |
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Boscombe
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you are sensible, the only winners are the banks and they are no better than the bookies |
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Sweetcakes
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I'm with you on this girlie!!
My mother always told me to leave within my means, I'm trying and it's a lot less stress then having peeps chasing me for money or threatening to take things from me!! |
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destiny4me7
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I'm working on clearing it! |
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Chico Infierno
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None. Paid them off and use cash or prepaid credit card now.
Good for you
If you cannot afford something, do without it or get a second job to pay for it.. |
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But why is the rum always gone?
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Too much, and it will take a while to get out from under it, but luckily we are on the right track and not generating any more credit debt. |
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Pinkle
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I use my credit cards a lot, but I always pay them off at the end of the month. It is sensible to use a credit card for major purchases as it gives safeguards on all purchases over £100 |
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Opera
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None! I don't understand why anybody would use a credit card, i pay CASH for everything. TVs, Fridges, Diamonds, Bentleys, Houses, Condos, Governments, Islands, etc...
Cash is best! |
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melliebags m
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none |
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Roubles
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Glad to say i've never taken a loan in my life and only have a debit card. |
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Leif B
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I only use my credit card if neccessary, therefore I have 0 credit card debt. It's a beautiful thing. |
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PeachPie
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i refuse to get a credit card cause I'm afraid of what might happen |
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ManOfTheHour
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Zero. Like 7up - never had it , never will. |
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mo
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none |
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ffordcash
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£9000, but that is on interest free, and I have £ 8000 earning interest in a savings account. By the time the interest fre period is up, I will pay it off. |
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KU
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£2000. can't be bothered paying it as lloyds tsb are nazis and won't give me a loan with a lower interest rate to pay it off. the debt trapping bastards won't even give me a £10.000 mortgage extention when my house is worth twice what I paid for it. CAPITALIST PIGS. |
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j dub
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zippo... the best way to be... |
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