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Someday I'm going to:
get out of credit card debt by: maiagoss
I have reduced my debt to $6,000, but it feels impossible to get rid of it completely!
This is my plan | 100%
Original plan by: maiagoss
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  • img_ leave my credit cards at home.  instead carry around a fixed amount of cash so that once i spend that money, i have no choice but to stop spending.
    Step 1: Leave my credit cards at home. Instead carry around a fixed amount of cash so that once I spend that money, I have no choice but to stop spending. 4
  • img_negotiate lower rates.  for the cards that carry balances, call each company and try to negotiate a lower rate, preferably one under 10%.   push to speak to a supervisor if the first person you speak with is not willing to help.
    Step 2: Negotiate Lower Rates. For the cards that carry balances, call each company and try to negotiate a lower rate, preferably one under 10%. Push to speak to a supervisor if the first person you speak with is not willing to help.3
  • img_ consider balance transfer options.  try to find a zero percent offer on www.creditcards.com (hopefully one that doesn`t charge a transfer fee) and consolidate all debt onto one card.
    Step 3: Consider balance transfer options. Try to find a zero percent offer on www.creditcards.com (hopefully one that doesn`t charge a transfer fee) and consolidate all debt onto one card.2
  • img_ organize existing debt.  make a chart with the name of each card, the amount owed on each, the minimum payment due, the interest rate, and the due date for payment.
    Step 4: Organize existing debt. Make a chart with the name of each card, the amount owed on each, the minimum payment due, the interest rate, and the due date for payment.2
  • img_ prioritize payments.  each month, focus on paying as much as possible toward the card with the highest interest rate (at least $100 more than the minimum). pay only the minimum on all other cards. once this card is paid off, move to the card with the next highest interest rate.
    Step 5: Prioritize payments. Each month, focus on paying as much as possible toward the card with the highest interest rate (at least $100 more than the minimum). Pay only the minimum on all other cards. Once this card is paid off, move to the card with the next highest interest rate.2
  • img_keep fully paid cards open.  be sure not to close my credit card accounts as available credit actually will boost my fico score.
    Step 6: Keep fully paid cards open. Be sure not to close my credit card accounts as available credit actually will boost my FICO score.1
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Comments
globehound
globehound(2009 Days ago)You need a Plan. Do you want me to put something together for you?Flag as Inappropriate
maiagoss
maiagoss(2009 Days ago)yes! i honestly just didn`t know where to begin with this one, but mr. bankruptcy himself should be able to helpFlag as Inappropriate
globehound
globehound(2009 Days ago)I`m going to send you a pic for `get out of debt`. Lets start with proper visualization.Flag as Inappropriate
randomtom83
randomtom83(1914 Days ago)I have a plan for reducing debt - It might work for youFlag as Inappropriate
maiagoss
maiagoss(1750 Days ago)yayaya, i`m on my way to being out of debt! one card paid off, two to goFlag as Inappropriate
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  • img_ leave my credit cards at home.  instead carry around a fixed amount of cash so that once i spend that money, i have no choice but to stop spending.
    Step 1: Leave my credit cards at home. Instead carry around a fixed amount of cash so that once I spend that money, I have no choice but to stop spending. 4
  • img_negotiate lower rates.  for the cards that carry balances, call each company and try to negotiate a lower rate, preferably one under 10%.   push to speak to a supervisor if the first person you speak with is not willing to help.
    Step 2: Negotiate Lower Rates. For the cards that carry balances, call each company and try to negotiate a lower rate, preferably one under 10%. Push to speak to a supervisor if the first person you speak with is not willing to help.3
  • img_ consider balance transfer options.  try to find a zero percent offer on www.creditcards.com (hopefully one that doesn`t charge a transfer fee) and consolidate all debt onto one card.
    Step 3: Consider balance transfer options. Try to find a zero percent offer on www.creditcards.com (hopefully one that doesn`t charge a transfer fee) and consolidate all debt onto one card.2
  • img_ organize existing debt.  make a chart with the name of each card, the amount owed on each, the minimum payment due, the interest rate, and the due date for payment.
    Step 4: Organize existing debt. Make a chart with the name of each card, the amount owed on each, the minimum payment due, the interest rate, and the due date for payment.2
  • img_ prioritize payments.  each month, focus on paying as much as possible toward the card with the highest interest rate (at least $100 more than the minimum). pay only the minimum on all other cards. once this card is paid off, move to the card with the next highest interest rate.
    Step 5: Prioritize payments. Each month, focus on paying as much as possible toward the card with the highest interest rate (at least $100 more than the minimum). Pay only the minimum on all other cards. Once this card is paid off, move to the card with the next highest interest rate.2
  • img_keep fully paid cards open.  be sure not to close my credit card accounts as available credit actually will boost my fico score.
    Step 6: Keep fully paid cards open. Be sure not to close my credit card accounts as available credit actually will boost my FICO score.1
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