I give up, I will no longer try to ERASE DEBT only MANAGE DEBT

[fbj]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

Except for all the money you are wasting paying interest on all those card balances. Take a minute to figure out what you pay in interest on those cards every month

Transfer your debt to a card that will give you zero interest for a length of time.

Pay that debt down. if you're not completely paid off when the zero interest term expires then transfer the remaining balance to a different care that will give you zero interest.

Most importantly do not incur any new debt while paying off the old debt.

Once you have paid off the debt take the money you save in interest charges and start saving it so you will have an emergency fund

All that sounds beautiful when you have a stable job which I thought I had in 2013 and then I found out in 2019 that the 5 year contract is over.

 

[fbj]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

I am now throughly convinced you are just a troll account.

In the off chance you aren't, carrying a balance on your credit cards is financially ignorant. The interest rates are insane. If you want a decent financial future, you will be better off eliminating debt and then saving money to build wealth.

Debt is not an asset.

Mongo I am reducing debt just at a slower pace because something always seems to happen. So me is still saving money and reducing debt each month so that I can maintain a good credit score and still have available credit if I really really need it.

 

[boedicca]

Interesting, I cut up all my credit cards 20 years ago. For many people, money burns a hole in their pocket and they are always broke. Most people could put away some money every month but they don't. If I need to spend $500 to fix my car, I get it fixed and pay it.

I never carry a balance on my credit cards, but do use them for convenience and consumer protection.

 

[percysunshine]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

Google Dave Ramsey.

 

[fbj]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

Google Dave Ramsey.

I heard of him but does he talk about unexpected illness or job loss????????????

 

[percysunshine]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

Google Dave Ramsey.

I heard of him but does he talk about unexpected illness or job loss????????????

Yes. It is a comprehensive program.

There is a method he advocates which is mostly taking care of the smallest problems (debts) first, and then rolling them up where the payments accelerate the retirement of the larger debts.

 

[gipper]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

 

[fbj]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

It's not possible because NUTS are just as important as FOOD and WATER

 

[Erinwltr]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

 

[gipper]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

He isn’t serious. He likes to post silly shit.

 

[Erinwltr]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

He isn’t serious. He likes to post silly shit.

Thank you for the heads up. Enjoyed Memorial weekend, I hope.

 

[Marion Morrison]

Is there a point to all of this?

Yes Mongo. I will no longer stress myself out thinking of the number 0 when it comes to credit card balance or 100% available credit. For now on I will focus on managing 30 to 35% credit card use and maintaining 70 to 75 % available credit

You're paying 14-26% on that balance at the least, so that's retarded. Pay it off. Do not charge more than you can pay off within 1-2 months.

 

[Correll]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

What is your total debt?

 

[gipper]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

He isn’t serious. He likes to post silly shit.

Thank you for the heads up. Enjoyed Memorial weekend, I hope.

Yes. You?

 

[fbj]

There is a simple solution. Cut your expenses.

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

He isn’t serious. He likes to post silly shit.

I am serious, 0 is such a long shot right now so why worry about it?????????????? I rather work my toward the next number for example,

I owe 1355 and my focus is getting UNDER 1300. Understand what I am trying to explain to you???

 

[fbj]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

What is your total debt?

$4775

One card is 1355 and I am focused on getting under $1300
Other card is 3420 and I am focused on getting under $3400

small baby steps to eliminating debt

 

[Erinwltr]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

What is your total debt?

Yes like DATING but I still need occasional NUTS so that's not an option.

It’s an option. You just have to be open to it. My guess is you could easily cut your expenses by 25-50%.

I have to agree, Gipper. Not sure about your range of saving however , but I can see a good 20% savings.

I've seen his posts before. Not sure if he is serious.

He isn’t serious. He likes to post silly shit.

Thank you for the heads up. Enjoyed Memorial weekend, I hope.

Yes. You?

Absolutely. Pops retired.

 

[Correll]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

What is your total debt?

$4775

One card is 1355 and I am focused on getting under $1300
Other card is 3420 and I am focused on getting under $3400

small baby steps to eliminating debt

My GOD, you are ahead of the game. Good job. Don't give up, keep stressing until you get it gone.


Consider Dave Ramsey. Debt Reduction guru.

 

[Rocko]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

Why are you telling us?

 

[S.J.]

Seems like every time I try to strive to get to a $0 balance something in life always seems to happens whether its job loss, health expenses, or unexpected financial purchases when something breaks down

So for now on I will just manage the debt I have so that it's 60% to 70% of available credit on both cards. Plus I have a card that has no credit limit for extreme emergencies or unexpected situations related to entertainment. Plus it seems like the credit companies don't want you to hit the balance of $0.00 which is why they keep increasing my limit lol I noticed the closer whenever my balance got close to 0 the credit card company increased my credit limit. Also have a 740 credit score which shows I do a good job in managing debt. This will allow me to live a stress free life and stop worrying myself about trying to erase debt.

What is your total debt?

$4775

One card is 1355 and I am focused on getting under $1300
Other card is 3420 and I am focused on getting under $3400

small baby steps to eliminating debt

You gotta do better than baby steps. You need to make at least twice the minimum payment, preferably 3 times.