tag:blogger.com,1999:blog-8465887551310827456.post4789352987195558656..comments2023-09-02T07:09:34.264-04:00Comments on Digging Out From Our Mess: 6th Blogiversary - The Credit Card EditionMystihttp://www.blogger.com/profile/17496508600320205581noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-8465887551310827456.post-1737836262920107562015-08-05T20:00:09.095-04:002015-08-05T20:00:09.095-04:00This comment has been removed by the author.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-44701639484608824082015-08-05T20:00:04.540-04:002015-08-05T20:00:04.540-04:00Tru dat!Tru dat!Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-15009823121400781342015-08-05T19:52:22.974-04:002015-08-05T19:52:22.974-04:00You are heading in the right direction. When you ...You are heading in the right direction. When you no longer have to pay $5000 a year to heat your home, the credit card will go down quickly.Nd.chichttps://www.blogger.com/profile/09918828872616125907noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-80389322867199065302015-08-05T19:39:15.392-04:002015-08-05T19:39:15.392-04:00Not sure. We aren't doing anything until I ta...Not sure. We aren't doing anything until I talk to a mortgage broker about some other stuff. It would go to 11.99 after, but I would then have to look at if another transfer would be worth it. <br /><br />Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-3195879751327158862015-08-05T19:30:21.301-04:002015-08-05T19:30:21.301-04:00Would you move all of it to 0% interest or just th...Would you move all of it to 0% interest or just the amount you could pay off in the grace period? The 9.24% is really good for a CC and I assume the 0% would sky rocket afterwards.Kayhttps://www.blogger.com/profile/02140101848088307943noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-41151100976673659942015-08-05T18:39:27.543-04:002015-08-05T18:39:27.543-04:00We pay about $87 a month in interest on the CC. A...We pay about $87 a month in interest on the CC. Actually, the $20 we pay on G-man's car in interest bothers me more!Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-11402744212708319062015-08-05T18:37:57.927-04:002015-08-05T18:37:57.927-04:00ThanksThanksMystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-80669762955627899562015-08-05T18:37:41.910-04:002015-08-05T18:37:41.910-04:009.24%. 9.24%. Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-81092802848766708382015-08-05T18:37:18.498-04:002015-08-05T18:37:18.498-04:00Sure I have thought about it. But without G-man h...Sure I have thought about it. But without G-man here, I wouldn't feel comfort right now. I have been very careful not to use it just for stuff. But like I said...if I have to go grocery shopping and pay the card 2 days later....I will. Not ideal. But it is better than in the past.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-10875808986768030652015-08-05T18:34:11.760-04:002015-08-05T18:34:11.760-04:00I survived. I am just so over it.I survived. I am just so over it.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-18590284762907786482015-08-05T18:33:17.086-04:002015-08-05T18:33:17.086-04:00ThanksThanksMystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-4472061161127982392015-08-05T18:25:33.123-04:002015-08-05T18:25:33.123-04:00What is the interest rate on your current CC? What is the interest rate on your current CC? Kayhttps://www.blogger.com/profile/02140101848088307943noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-9884230639391495002015-08-05T15:52:14.941-04:002015-08-05T15:52:14.941-04:00Thanks for such an honest post. Thanks for such an honest post. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-20439491692277760302015-08-05T13:58:39.743-04:002015-08-05T13:58:39.743-04:00I'm like Ms. Moreless - I learned charging day...I'm like Ms. Moreless - I learned charging day to day expenses on a credit card just doesn't work for me, either. So, I just no longer have one to use. No temptation and no card available forces me to live within my income. Just a suggestion, but when you do finally sell your house and get to move - work up a very realistic budget, with everything listed you need to spend annually, along with a cushion for Murphy. Find a house payment/rent payment that fits into that budget, no matter what. The only way to stop the credit card trap is to have all your expenses lower than your income.<br /><br />What really was the changing point/eye opener for me was figuring out just how much interest I was paying each month on our credit cards. Just wasted money! I will never pay interest on a credit card again. While I do have a couple of store credit cards (no major credit card I can charge anything on) I have not paid any interest on my occasional charges in 6 years.One Familyhttps://www.blogger.com/profile/00369132659573259613noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-28696838154799814222015-08-05T13:21:10.968-04:002015-08-05T13:21:10.968-04:00Have you thought about freezing the card (like lit...Have you thought about freezing the card (like literally freezing it in a bowl of water), so that you can't use it unless it's an absolute emergency? Or using all cash for groceries and gas? (Or maybe you do these things now, I don't know ...).<br /><br />Over the years, I have learned that I just can't use a credit card for day to day expenses. I ALWAYS over spend and always wind up having to pull money from savings. I have a few monthly bills that I have set up to be automatically paid with a credit card and I always use one for travel - but that's about it these days. I don't even keep a credit card in my purse on a day to day basis b/c the temptation is too great. I would love to be one of these people who can use credit for everything and easily stay in budget ... but I'm not and I've just accepted it and moved forward. <br /><br />Ms. Morelesshttps://www.blogger.com/profile/05254210551387134202noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-28650025499383862292015-08-05T13:19:00.091-04:002015-08-05T13:19:00.091-04:00This is what it is, you had a emotionally difficul...This is what it is, you had a emotionally difficult time to deal with, while most of these periods last a few months yours last years. Take stock and look at what you have learned. Could you have done things different? Sure, but then again you were doing what you could in a difficult and emotional time and I think you did exactly what any of us would have done financially. You have survived:)Out My windowhttps://www.blogger.com/profile/13456481267171643227noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-49730124235435858732015-08-05T10:41:14.045-04:002015-08-05T10:41:14.045-04:00What an amazingly honest post. It's been hard...What an amazingly honest post. It's been hard for you! Sounds like you're dealing with it the best that you can, you're aware of what you have to do and you're working on it.<br />We went the route of moving credit card debt from card to card for 0% charge and kept at it till it was paid off. But our daughter was grown, so we didn't have to worry about kids. And we weren't trying to sell a house.<br />So good luck to you!Mac n' Janethttps://www.blogger.com/profile/05732924562630675589noreply@blogger.com