Retail store credit card debt? - retail store credit cards
This is a stupid question, but: What is the best (fastest and most effective) ways to reduce debt, credit card information? I'm 20 and I save a map of Victoria's Secret and Target plate and have hundreds in both. I have a job and try to pay them constantly, but I can not get out of them, and I know it will affect me terribly in later life. Any tips?
Retail Store Credit Cards Retail Store Credit Card Debt?
3 comments:
First, the use of the cards. Place in a Ziploc bag and freeze the water if you do not use the discipline.
Second, take all the money they can make your budget and put it on the highest interest rate on the cards, while the minimum amount for payment on another. If the interest rate is the same as that of a small scale first. When one is paid to throw everything else.
The minimum wage will take years and years to pay even on a small scale. Credit cards, store credit cards are not especially to long term financing. They are practical in the short term.
If you fall into the trap of paying the minimum each month, trying to catch, and you do not think longer afford to try this. The next time it is due. Pay a day earlier than usual and pay at least $ 5 more than the minimum then the next time you pay for 2 days in advance and $ 10 in the first 4 days and $ 20 more if you get to the place of money, that you can not begin to repay more than $ 5 more, but always tries to pay for a day or 5 or 10 earlier than usual. If you keep them away for emergencies. Gold Credit Card rule, if you can afford it today, tomorrow, you can not pay or 30 days from today.
1. sell some of their homes. Some businesses use to buy music CDs and video games.
2. Prepare a snack at home instead of paying for their meals.
3. Finding a job more than a babysitter or rake, or whatever you find on craigslist .... or the notice board at the supermarket or in the public library or school, a kind of extra work.
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