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Post by The Walk of the Penguin Mich on Jul 21, 2015 12:06:15 GMT -5
Thanks! I called my card companies last see to try to lower my interest rates. None of them would budge. It would have been funny if it wasn't so maddening when I called CC company #1 to lower my 19% interest. I told them my others were at 13% and wondered why they wouldn't even lower it to that. They said it was due to age of account (longer it was open, the better the rate) and utilization. I explained that it was,my oldest card and has the lowest balance/utilization. They didn't have an answer for me on why they still wouldn't lower it.Fortunately, that highest interest rate is your lowest balance. For a BT, you really need to look at the math to determine if it is going to be worthwhile for you to do this. If there is a 5% BT fee, you're going to get hit with that fee too. If you take the $175 you are currently paying and add $200 that you are diverting to savings, you will be sending nearly $400/mo to that. One suggestion to make extra money is to sell your plasma. You can make a couple hundred $$/mo if you do this regularly. I'd be throwing that at that 19.8% CC too. Some states don't allow this, in IL for example it's not allowed to sell blood products. Which makes it really hard for the blood banks because it really is 100% volunteer. It's allowed. They are not paying for the plasma or blood products, but the time that is required to do this. Not the same thing, as giving plasma takes 2-3 hours. A friend of mine used to do this and she used to be able to watch about 2 movies in the amount of time it took. www.donatingplasma.org/donation/donor-compensation
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Ombud
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Post by Ombud on Jul 21, 2015 12:06:56 GMT -5
Where do you get roommates at $700-1000/mo? Hell, my rent on my 2 BR place was $600/mo and at $750, I would have all utilities/cable covered and more than a bedroom, with a shared bath/kitchen/LR. I'm in SF Bay Area. ![:(](//storage.proboards.com/forum/images/smiley/sad.png)
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Tiny
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Post by Tiny on Jul 21, 2015 12:09:55 GMT -5
I get this. sometimes a 'part time job' is just a euphamism for "raising some cash".... so, maybe it's time to clean out your closets and shelves and see if you can sell off some stuff - old electronics, designer clothes, shoes, purses, etc, old sports equipment, etc.... basically, the 'part time job' is going thru your stuff and then dealing with selling it off. ![](http://images.proboards.com/new/smiley.png) Very flexible hours. Think about other things you might be able to do 'on the fly' that might generate some money...even if it is a 'pittance' - dog walking? house sitting? whatever. If you do these things for relatives or friends or neighbors - couch it as a "trade" you'll trade housesitting services for something - maybe a $25 or $50 gift card - which you can use for yourself OR for a future gift that you need to give (xmas, b-day, whatever). That's just to get you thinking creatively about 'payments' from friends/relatives/neighbors who you normally might feel bad about charging a dollar amount. Sometimes 'bartering' can free up cash from your budget - so that you CAN send a few more bucks to the credit card payment.
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Post by The Walk of the Penguin Mich on Jul 21, 2015 12:10:43 GMT -5
Where do you get roommates at $700-1000/mo? Hell, my rent on my 2 BR place was $600/mo and at $750, I would have all utilities/cable covered and more than a bedroom, with a shared bath/kitchen/LR. I'm in SF Bay Area. ![](//images.proboards.com/v5/smiley/sad.png) That'd do it! But for the price of her house, I doubt that would be supported by the local economy.
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CarolinaKat
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Post by CarolinaKat on Jul 21, 2015 12:19:57 GMT -5
Some states don't allow this, in IL for example it's not allowed to sell blood products. Which makes it really hard for the blood banks because it really is 100% volunteer. It's allowed. They are not paying for the plasma or blood products, but the time that is required to do this. Not the same thing, as giving plasma takes 2-3 hours. A friend of mine used to do this and she used to be able to watch about 2 movies in the amount of time it took. www.donatingplasma.org/donation/donor-compensationThe better hydrated you are, the faster the donation goes. Depending on the company, they pay repeat/habitual donors on a scale that grants them bonuses for regular donation.
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Post by The Walk of the Penguin Mich on Jul 21, 2015 12:25:25 GMT -5
It's allowed. They are not paying for the plasma or blood products, but the time that is required to do this. Not the same thing, as giving plasma takes 2-3 hours. A friend of mine used to do this and she used to be able to watch about 2 movies in the amount of time it took. www.donatingplasma.org/donation/donor-compensationThe better hydrated you are, the faster the donation goes. Depending on the company, they pay repeat/habitual donors on a scale that grants them bonuses for regular donation. Yeah, there is an interesting scale. They pay you a lot to come in, and if you come in regularly they gradually increase what you're paid. So your first donation might be $50, but if you come in 3x more in the month you can pull in $200-250. But if you only come in 2x total, you might get $70.
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Tiny
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Post by Tiny on Jul 21, 2015 12:39:25 GMT -5
I did a better look at your budget - one thing that really jumps out is your "shelter expenses" - your Townehouse is a millstone - it's consuming 1/2 your take home pay - and you haven't put food on the table or gas in the car. Now, it might be a Millstone you are willing to sacrifice for... and that's ok - you just need to really decide how much of your time/energy and "future" it's worth. I see you have dogs - so renting at this point might be difficult. As a landlord I know "pets" are not always welcome some finding a place to live might be very difficult and/or just as costly as keeping the house. If you can go the roommate route - that would certainly help. If not, once you get a preliminary plan in place and start getting some additional $$ to throw at that 19.8% debt. I'd definitely take the time to re-evaluate your options with the Townehouse. I suggest getting a plan of some sort in place to alleviate some of the 'stress' just because I always feel better if I have "plan" I can "work" so I can more clearly look at/focus on the Big Picture - which in your case is your Townehouse. I know I make better/less emotion driven decsions when I feel I have some 'control' over my immediate situation.
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Deleted
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Post by Deleted on Jul 21, 2015 12:44:06 GMT -5
OP.....your house is nearly 4x your income, which makes your housing expenses more almost 40% of what you bring home. At this point, your home is a liability to you and it's not going to take much for you to wind up even more in debt if something fails. It really might make more sense to get rid of your house. While it may be something to look into, having just been through selling a house to downsize I'm finding FAR more "frictional" costs than expected. While selling and renting may cut monthly expenses, here's what the OP should try and quantify that will get skimmed off the top if she sells: 1. Realtor fees. 2. Any costs to fix/improve the place to make it more attractive to sell. I regret about half of what DH and I spent- it came straight out of our pockets and probably didn't help. Focus on the cheap and superficial. 3. Realtor fees and moving costs. 4. The inevitable expenses of fixing up a new place the way you want it. Even if you rent that can include furniture, curtains, etc. OP, I agree with you that moving in with the BF is a last resort. Better to come in in a position of strength rather than because you need to save money. I managed a mortgage that was 40% of my take-home pay (with property tax and insurance). I didn't have any other debt but I did have a 12-year old son and no child support. It turned out to be a very goo dinvestment when I sold the house 7 years later.
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Post by The Walk of the Penguin Mich on Jul 21, 2015 12:48:29 GMT -5
While it may be something to look into, having just been through selling a house to downsize I'm finding FAR more "frictional" costs than expected. While selling and renting may cut monthly expenses, here's what the OP should try and quantify that will get skimmed off the top if she sells:
I absolutely agree....BUT the house can bury her deeper in one failure along with all these other debts. Needing to replace a furnace, a roof or something major can put her in an untenable position that she won't be able to dig herself out of.
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Angel!
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Post by Angel! on Jul 21, 2015 13:07:30 GMT -5
One thing I've done to lower the interest paid and to pay off cc balances is to live completely ON the credit cards.....sounds counter intuitive, but it really worked for me. ... Awesome idea as long as you aren't overspending. I never even though of this.
OP, I would quit with your savings & throw everything you can at the low balance card. Stop overpaying on the 2nd card. I know it is only $13/month, but no reason to send extra to a card with a lower rate. You can probably get that card paid off in 6-10 months if you live frugally. At that point reevaluate. In the mean time I would look for balance transfers & try to get some money onto a 0% card.
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DVM gone riding
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Post by DVM gone riding on Jul 21, 2015 14:31:18 GMT -5
I too am a single women (well engaged now) with a 3 bed house and have had lots of roommates! Helps a ton. I advertise on craigslist. Look strictly for a personality I can deal with. Never had a major issue. Everyone has always paid without even the tiniest issue but it isn't like a regular rental bec it's your house there are different laws n you can always ask them to leave. I do have a room share agreement I do not deduct expenses or count it as income because it can be easily argued with one as a sharing of expenses situation. I am careful I do NOT call them renters or boarders
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justme
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Post by justme on Jul 21, 2015 14:46:05 GMT -5
I'm in SF Bay Area. ![](//images.proboards.com/v5/smiley/sad.png) That'd do it! But for the price of her house, I doubt that would be supported by the local economy. OP said rent for a 1 bedroom is 700-1200 at least. Pretty big range, but assuming her house isn't crappy she could probably get around the price of a crappy 1 bedroom rent.
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Angel!
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Post by Angel! on Jul 21, 2015 15:31:20 GMT -5
That'd do it! But for the price of her house, I doubt that would be supported by the local economy. OP said rent for a 1 bedroom is 700-1200 at least. Pretty big range, but assuming her house isn't crappy she could probably get around the price of a crappy 1 bedroom rent. I would totally depend on location, but I would expect to pay more for even a crappy 1 bedroom than to rent a bedroom in a house. I think those that suggested renting the bedrooms out for $1K each are way off base. My guess is you might get $1k total if you rent out both.
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justme
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Post by justme on Jul 21, 2015 15:58:49 GMT -5
Oh yes, 1k is off base, I agree. Just saying I probably would pay the same price as a crappy one bedroom in a bad area as I would for a room and bath in a nice house.
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t-dog
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Post by t-dog on Jul 21, 2015 16:23:21 GMT -5
Do you need the home phone/internet if you have a reimbursed work phone?
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bookkeeper
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Post by bookkeeper on Jul 21, 2015 17:19:47 GMT -5
What kind of stuff did $26,000 worth of credit card purchases buy? I would try to sell some things and crush that high rate credit card balance. To pay off the remainder, you need to raise more income and lower the interest rate you are paying. Do you have someone you can trust to help you administer a 0% balance transfer? Can you get a personal loan at your credit union at a lower rate? Taking on a room mate and throwing all that income at your debt would be the fastest way to get past this serious problem. It is a serious problem. I encourage you to read this article: www.mrmoneymustache.com/2012/04/18/news-flash-your-debt-is-an-emergency/
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elsee
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Post by elsee on Jul 21, 2015 18:29:13 GMT -5
I get this. sometimes a 'part time job' is just a euphamism for "raising some cash".... so, maybe it's time to clean out your closets and shelves and see if you can sell off some stuff - old electronics, designer clothes, shoes, purses, etc, old sports equipment, etc.... basically, the 'part time job' is going thru your stuff and then dealing with selling it off. ![](http://images.proboards.com/new/smiley.png) Very flexible hours. Think about other things you might be able to do 'on the fly' that might generate some money...even if it is a 'pittance' - dog walking? house sitting? whatever. If you do these things for relatives or friends or neighbors - couch it as a "trade" you'll trade housesitting services for something - maybe a $25 or $50 gift card - which you can use for yourself OR for a future gift that you need to give (xmas, b-day, whatever). That's just to get you thinking creatively about 'payments' from friends/relatives/neighbors who you normally might feel bad about charging a dollar amount. Sometimes 'bartering' can free up cash from your budget - so that you CAN send a few more bucks to the credit card payment. I've been selling some stuff on eBay off and on the past few months and it has definitely helped. Thanks for the other ideas too!
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elsee
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Post by elsee on Jul 21, 2015 18:31:57 GMT -5
It's allowed. They are not paying for the plasma or blood products, but the time that is required to do this. Not the same thing, as giving plasma takes 2-3 hours. A friend of mine used to do this and she used to be able to watch about 2 movies in the amount of time it took. www.donatingplasma.org/donation/donor-compensationThe better hydrated you are, the faster the donation goes. Depending on the company, they pay repeat/habitual donors on a scale that grants them bonuses for regular donation. I know that people can get money for their time donating plasma here. I've only ever donated whole blood (and it goes super fast because I drink lots of water!), but I am going to look into this too. ![](http://images.proboards.com/new/smiley.png)
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elsee
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Post by elsee on Jul 21, 2015 18:36:02 GMT -5
I too am a single women (well engaged now) with a 3 bed house and have had lots of roommates! Helps a ton. I advertise on craigslist. Look strictly for a personality I can deal with. Never had a major issue. Everyone has always paid without even the tiniest issue but it isn't like a regular rental bec it's your house there are different laws n you can always ask them to leave. I do have a room share agreement I do not deduct expenses or count it as income because it can be easily argued with one as a sharing of expenses situation. I am careful I do NOT call them renters or boarders To be honest, I'm a little worried about having roommates but I know that it would be a good chunk of extra money coming in every month (hopefully!). I am an easy-going person most of the time and get along with most people, but I worry about personality/cleaning clashes. I'd also have to find someone that is ok with my dogs. Is your room share agreement set up similar to a lease, where they have a set amount of time (6/12 months) and all that?
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milee
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Post by milee on Jul 21, 2015 18:45:04 GMT -5
I value my privacy and alone time way too much to want a roommate situation. Heck, I'd be thrilled if I could get DH and the kids to move next door. So take this advice as coming from that perspective.
I'd figure out some other way to earn more money, even though it will be tough and at times inconvenient and not get a roommate. Here's a list of things you could do to earn extra money that would still work OK with being on call:
- Pet sit - Tutoring or instructing - sounds like you have some tech skills - Sign up for the overnight shift at a group home. Both foster care group homes (a nice way to say small scale orphanages that house 3-8 kids, used in many states because they can't find enough qualified foster families and for emergency placements) and group homes for disabled people need 24/7 adult supervision. The night shift is usually 11 PM - 7 AM and unless there's an emergency, you just sleep during the shift. I've known friends that do this in addition to their full time day job and although it can result in lack of sleep, it's a pretty good gig that pays well and is generally low hassle. If you could do that for 1-3 nights per week, you could very quickly earn enough to not only dig out of your debt but then build up some savings.
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elsee
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Post by elsee on Jul 21, 2015 18:51:31 GMT -5
OP said rent for a 1 bedroom is 700-1200 at least. Pretty big range, but assuming her house isn't crappy she could probably get around the price of a crappy 1 bedroom rent. I would totally depend on location, but I would expect to pay more for even a crappy 1 bedroom than to rent a bedroom in a house. I think those that suggested renting the bedrooms out for $1K each are way off base. My guess is you might get $1k total if you rent out both. Yes, the prices I found were for 1 bedroom apartments, but I did another search today and there are some in the $600s for a 1 bedroom. The cheaper prices are in ok areas while the $1k+ is in the much better parts of the metro area. I was surprised to see such a variation. Last time I rented an apartment was back in 2003-2006 just before I bought my house and rents were much better back then! I had a 2 bed/2 bath apartment that allowed my dogs (no extra monthly pet rent) for around $650.
Looks like individual rooms in a house would rent for about $400 if I decide to go that route (renting one of my extra bedrooms out if I stay here in my house).
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elsee
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Post by elsee on Jul 21, 2015 18:55:07 GMT -5
Do you need the home phone/internet if you have a reimbursed work phone? I don't need my home phone anymore. I used to pay for an alarm system that required a home phone, but I canceled that. I would prefer to keep internet since my cell phone is on the cheapest data plan (500MB/mo - since I tend to use Wi-Fi more) and I am also taking an online course after work/on weekends to further my career options/pay. I am going to call to see if I can get my internet provider to lower my rate or I'll see if there are any other options around here.
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Deleted
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Post by Deleted on Jul 21, 2015 18:57:15 GMT -5
I wouldn't do it for $400 I don't think. Maybe 700$.
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Post by Deleted on Jul 21, 2015 19:05:13 GMT -5
I absolutely agree....BUT the house can bury her deeper in one failure along with all these other debts. Needing to replace a furnace, a roof or something major can put her in an untenable position that she won't be able to dig herself out of. True- there are advantages to having a landlord!
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elsee
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Post by elsee on Jul 21, 2015 19:08:47 GMT -5
What kind of stuff did $26,000 worth of credit card purchases buy? I would try to sell some things and crush that high rate credit card balance. To pay off the remainder, you need to raise more income and lower the interest rate you are paying. Do you have someone you can trust to help you administer a 0% balance transfer? Can you get a personal loan at your credit union at a lower rate? Taking on a room mate and throwing all that income at your debt would be the fastest way to get past this serious problem. It is a serious problem. I encourage you to read this article: www.mrmoneymustache.com/2012/04/18/news-flash-your-debt-is-an-emergency/While I definitely have bought things I didn't need with my credit cards, at least half went to dental/medical/vet bills (several thousand alone in dental bills -emergency visit for tooth abscess and then root canals/crowns - from 2009) and a smaller portion went to things like auto and home repairs because I hadn't planned well for those. Other than that, it bought vacations and meals that I didn't need, some gifts, and helped me meet my monthly obligations when my income was lower for a couple years, so nothing much that I can take back unfortunately.
I am not a big shopper for "things" and am good at making myself wait and think about a purchase before I make it. I had dial up internet until 2009 (seriously, ha!), and didn't get a smart phone until my work told me they would reimburse my monthly bill two years ago. I don't like clothes shopping either. But I do have a problem with eating out too much (a couple times a week, plus junk food/drinks periodically) and spending money on trips (especially big family trips where everyone else is going and convince me to go too), and not saving enough for things like auto and home maintenance (had a roof repair last fall - my HOA is worthless) and then having to put it on a card.
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elsee
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Post by elsee on Jul 21, 2015 19:12:16 GMT -5
I value my privacy and alone time way too much to want a roommate situation. Heck, I'd be thrilled if I could get DH and the kids to move next door. So take this advice as coming from that perspective.
I'd figure out some way to earn more money, even though it will be tough and at times inconvenient and not get a roommate. Here's a list of things you could do to earn extra money that would still work OK with being on call:
- Pet sit - Tutoring or instructing - sounds like you have some tech skills - Sign up for the overnight shift at a group home. Both foster care group homes (a nice way to say small scale orphanages that house 3-8 kids, used in many states because they can't find enough qualified foster families and for emergency placements) and group homes for disabled people need 24/7 adult supervision. The night shift is usually 11 PM - 7 AM and unless there's an emergency, you just sleep during the shift. I've known friends that do this in addition to their full time day job and although it can result in lack of sleep, it's a pretty good gig that pays well and is generally low hassle. If you could do that for 1-3 nights per week, you could very quickly earn enough to not only dig out of your debt but then build up some savings. I am the same way about valuing my privacy, plus I am an introvert so I think it would be draining having someone else here all the time.
Thank you for your great ideas! I am going to look for group home overnight shifts - I used to know a guy who did that at a home for youths with autism. I'm not sure about pet sitting because one of my dogs isn't always great with other pets, unless it is a neutral setting like a dog park or kennel. I'll also look into tutoring or instructing as well.
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elsee
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Post by elsee on Jul 21, 2015 19:13:30 GMT -5
I wouldn't do it for $400 I don't think. Maybe 700$. That's what I'm thinking too. I just think it would be more hassle than help, but I'll keep it in the back of my mind if I can't scrounge up enough extra cash through other means.
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elsee
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Post by elsee on Jul 21, 2015 19:21:05 GMT -5
One thing I've done to lower the interest paid and to pay off cc balances is to live completely ON the credit cards.....sounds counter intuitive, but it really worked for me. Every time I got paid, I'd first pay all bills due in the 2 week period that could not be charged onto the card (back then - you couldn't do some utilities on the card, so it was mortgage, those utilities and life insurance, plus the other cc minimum on the due dates.) then I would put all the money left over from the pay onto the card I was targeting to pay off first. I would then try to live as frugally as possible throughout the pay period. I would pay bills that could be paid with the cc when they were due, or day before jic (to keep balance lower for as long as possible). I would buy small amounts of food as needed rather than a weeks's worth at a time. This can keep your average daily balance for calculating the interest $500-$1000 lower, depending on how this all goes. And yes - for the card I was targeting to pay off first, I would make 2-3 payments/month, at each pay period. While also lowering the overall interest paid, I was also able to be interest free the last 3 months of payoff. Because, while I didn't have the money to pay it off AND live, by doing this method, I was able to pay off the balance in full, and then charge what I needed to live that month, but then pay it off and not accrue any interest. After about 3-4 months of this interest-free live expense floating, I was able to pay off the balance for good, and move onto the next card. this does take a fair amount of discipline. One possitive is that you reassess your cc situation each paycheck, rather than 1x per month. it helps to keep focused. I kept a spreadsheet that I updated each paycheck to be sure I was making progress and not fooling myself. OTHER advice for you: If I were you, I would pay only the mins on the other cards, and max payment to the 19% one. Using the previously described technique, I would charge some things to the lower interest cards, but pay off the 19% one, essentially, using necessary monthly expenses such as food, etc. to transfer the balance to a lower rate card. If you did the rotating expenses thing, transferred some balance to the lower rate card via purchases, and took the entire paycheck next time you had a 3 paycheck month and put onto the 19% card - you'd have that cleared within 4-6 months. Once that card is clear, then it could be used and paid off monthly without interest, it could also be used "for emergency only" and then you would need less on hand and able to put it onto one of the other card balances. For me, personally, as previously stated, I see no reason to keep 1k+ in a do nothing savings account while paying steep interest on that same balance elsewhere. However, having a clear credit for that untimely emergency would make it easier. If you are comfortable with that approach, then the next time you have a 3 paycheck month - you could pay off the 19% card with your 3rd paycheck and the savings and a bit extra - so check out when that month is, and plan to have the card cleared at that point, then used only for dire emergency. I like your idea but I don't trust myself to do it right now - it would be too easy for me to slip up if I'm using my CC all the time. I might decide that it's ok to go out to that restaurant for dinner and drinks because I can just pay it off later, or something like that. Right now, I don't keep them with me and am forced to think about how much money I have (taking into account pending debits and everything).
Although I do like your idea of charging all monthly expenses to the card and pay it off every month when I no longer carry a balance. Then maybe I could start getting card rewards too!
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CarolinaKat
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Post by CarolinaKat on Jul 22, 2015 8:39:54 GMT -5
The better hydrated you are, the faster the donation goes. Depending on the company, they pay repeat/habitual donors on a scale that grants them bonuses for regular donation. I know that people can get money for their time donating plasma here. I've only ever donated whole blood (and it goes super fast because I drink lots of water!), but I am going to look into this too. ![](http://images.proboards.com/new/smiley.png) Be aware the needle is larger with plasma donation because they return the red blood cells. Also you can donate plasma more often than blood because of this.
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haapai
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Post by haapai on Jul 22, 2015 9:28:46 GMT -5
I'm usually on threads like this like a hungry carp. I'm slow to the party this time because I thought the poster was planning her own burial. That would be a very YM thing to do.
The good news is that you've done quite a bit of the hard thinking on your own. Acknowledging that you're in a bad position is hard. You've done that. Compiling a list of debts and the necessary payments and interest rates is painful. You've done that. Coming up with a complete list of cash outflows takes time. You've got a rough draft going. Realizing that you are not in a position to squirrel away money in savings and retirement accounts because paying off debt is a much higher priority and return is often devastating but you seem to have figured that out on your own.
You obviously learned a lot while lurking and are in a much better head place than the average person who is up to their armpits in debt. What you seem to need now is a structure for making debt payoff exciting and some encouragement during the first couple of months when paying attention to your neglected financials sometimes feels like a series of facepalms. Welcome back.
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