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Additional Details
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My wife has an old debt (from buying a computer 6-7 years ago - about $1600 currently) that has essentially no activity since then. She lives in Missouri; the debt was incurred in Pennsylvania.
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 If I were to win this week's £92 million Euromillions Jackpot, one thing I wouldn't buy would be...? |
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Viki | Pay off credit card, or open a CD? |
My new-year's resolution for 2008 was to pay off my credit card and then save up enough money ($1000) to open up a CD. Well, I paid off my credit card (finally) in the late summer, but relatively quickly accumulated basically the same amount of debt (it hovered around $500-$600 for a bit, and jumped up to $1000 now for Christmas). I didn't think I would be able to save up the whole $1000 in time for the end of the year, but I just finished this week and I'm not sure whether to pay off my credit card (again) or to go ahead and lock up that money in a CD for a bit (I'm thinking about 7 months, since that's about when I'll need the money for moving expenses). So far I haven't gotten into any trouble with my credit card debt, I've never even had a minimum payment required, but I've always paid something every month (usually between $50 and $300, depending on how much extra I have at the end of each month). I don't anticipate the debt being an actual problem, so I'm leaning more towards the CD, even though I'm pretty sure it's more mathematically correct to pay off the credit card first. Opinions, anyone?
Additional Details
Um... people seem to believe I'm drowning in credit card debt. I've got the debt firmly under control, it just does happen to exist. I would have saved all of... oh, maybe about $40 over the past year if I'd not had credit card debt. I don't mind paying the extra $40 to allow me to live slightly beyond my means (and I do not live extravagantly, either). Credit is meant to be used. |
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dave78m
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I wish you well, but sometimes life has a funny way of changing your plans. Your plan MAY work. BUT if you lose your job, or get fired or downsized, or incur a surprise expense (your car needs repair), you will have to go into debt, and you want to avoid that.
Why not pay off what you owe, and start saving going forward? Even take a modest amount of your pay, and have it sent to a separate bank account (if your employer will do this for you) each month, that way, you pay yourself first, and you try and live on remaining money.
I recommend saving 2-3 months money NOT in a CD, just as emergency money.
After you have built an emergency fund, find a bank that has low minimum CD size, and, every 3 months, take the money you save up, and buy a 1 year CD. In a year, you will have 4 CDs that will be "laddered", that is they will come due at different times of the year. The idea is when you reinvest, you won't have to reinvest all you money in a new CD at one time, when interest rates might not be as good.
I will spare you the part about debt costing way more than interest a CD pays you. You already know that. |
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Hilton
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Pay off your credit card. |
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bad libertine
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It is pointless to have savings if you have debts.
Interest on debts is always far more than interest gained with savings!
My advice is pay of the Credit card. |
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Chuck
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If you don't pay off your credit card, you will end up paying more in the long run. Your investment will amount to a negative profit.
Pay off the card! |
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Karen K
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I think you should pay off the credit card and cut up the card ASAP!! Imagine how much money you could have saved if you had not been paying the credit card payment. It's obvious you don't have very much control when it comes to having that card in your wallet. A CD is a great ideal but i'm still confused as to why you used your card again when you had the cash in your saving account. You could use the 1000.00 to pay off the card....cut it up....then have money transferred into a savings account automatically from your check. When you reach that 1000.00 again move it to a CD!! |
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larissa e
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pay off credit card,save,then open a cd |
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Busy Mommy
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You are right, it is more mathmatically correct to pay off the credit card first.
While your CD can be accumilating interest, so is your credit card. Why get charged interest on the credit card when you can pay it off in full? You should generally keep your credit card balance under 35% of the limit. Keeping your card close to the limit and using it often is hurting your credit. You're also forming bad habits by using your card to buy things you can't otherwise afford. I know, I did it in college and am still paying down the debt! I have $5000 left from $10,000. I'm using my entire tax return this year to pay it off.
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Jay S
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Always good to have some emergency cash. I'd grab the CD and then minimize your charges on the card.
I use a card all the time and pay it off each month. If you can get yourself to that point eventually, you'll be in great shape. Until then, interest on a thousand bucks isn't going to kill you but just don't let it bloom in to many thousands.
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?
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keep paying off your card. open a CD. |
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Ask Janine
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Credit card first. Think of the interest that can accumulate if you don't pay off the credit card first. Suze Orman would say the same thing. Check her website out she knows all about finance and stuff! Good Luck! |
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