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

[Wyatt earp]

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

Just file for bankruptcy...

 

[Blues Man]

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.

So get a job

 

[blastoff]

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 might want to run your eyes over your credit card statements and note where exactly your money’s going. You should spot some easy targets to eliminate and help with savings/debt reduction if you’re serious.

 

[Marion Morrison]

For one thing, fbj could give up being a prima donna picky eater and stop eating out all the time.

That costs money, bro. I'm feeding the fam today, gonna cost me about $50.

 

[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.

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.

Must have been one of those temporary "shovel ready" jobs. Trump fixed that, now you can get a good job (unless there's something about you that makes people not want to hire you).