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Why is it so many young people don't understand budgeting and saving for retirement?
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Sweet Pea | What is the best way to pay off debts? |
I have three credit cards to pay off trees to get trimmed down. The estimate total is $7,158.98. I have emergency money set aside but I don't want to pay it off all at once. What is the best way to do it without being put out a lot all at once? And, still able to pay the other bills. I am a single mom so I have to be careful with what I spend. |
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Steph
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Sorry if I sound rude, but you should have been careful with credit cards in a first place... Credit cards are for responsible people, and you're obviously financially irresponsible.
Pay them little by little, as much as you can afford each month. |
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★★★ Katharine ♥♥♥♥
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kinda confused on your question - you have 3 credit cards going - and you have trees to trim that costs $7,000 - I am confused!!!
If you have 7,000 worth of credit cards going - I would take about 3/4 of the emergency money and pay off those credit cards - leaving you with a little emergency money - if something comes up that is actually an emergency - you can always charge on those credit cards again - but, in the mean time - look at the interest you will be saving - start with the smallest credit card first - if you can get that 1st one paid off - you will feel like you are getting somewhere - then move on to the next - its easier to save when you feel like you are making your goal. |
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mahoganyd
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Set a goal by writing down your intentions. divide your pay periods with the amounts you intend to pay. Say on July 27th you pay $200.00 for card #1 then by the end of December you'll notice more applied to principle. Pay the smallest bill down first this will motivate you to stop giving those people your hard earned $$. Then move to the next debt always pay more then the min. due. good luck I did this and I am debt free! |
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SG Elite
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Do not spend what you don't have. Work out the repayment plan with the debt company and ask if there'll lower the interest amount. |
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Nana
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You can read articles here on how to manage your debts |
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lourdes r
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paying it in small amounts and in due time, you wont believe it
but you are already paid. |
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Big Bully
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Ouch! It is your best intrest to pay off all these card. The intrest on these cards are not worth your return your getting on
your money being saved. After you pay these cards off, only use one for an emergecy. |
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labsrock03
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first, find a "no annual fee, no transaction fee for balance transfer, 0% for x months" credit card (yes they do exist-read all the fine print). transfer as much as you can to that card. during the interest free period, your monthly payment will be minimal.
then focus all your efforts on paying down the balance on your smaller card first. when you pay that off, move to the second card. take the minimum you used to pay on card 1 and put it toward card 2.
if you can't do the above AND pay off the 0% card within the 0% period, look for another balance transfer card and move it again before it expires so you don't get killed with deferred charges. or pay it off with your savings at that point. |
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Iloveshane
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what ever you do dont charge the whole total..try to pay half with cash if you have it or whatever you think you can spare.. because unles s you have steller credit the interest on that amount will kill your wallet also. |
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JLay
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pay the minimum amount on two of the cards. then focus all of the money you can on the card that will apply the most money towards the principal balance. this is determined based upon the way the credit card company calculates interest, the interest rate of the card, and the balance of the card. the best way to find out which card you should apply the extra money to would be to get in touch with an representative of Primerica Financial Services. They have the ability to analyze your debt and give you a detailed sheet that explains which order you should pay your debt off. |
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