Making a plan to pay down your debt can be a little overwhelming, and even stressful, when you are just starting to map out your plan of attack. While I like to keep track of current balances in a spreadsheet, I also like to use a few different free online tools to help map out …
As I have been paying down debt over the past few months, I have been aggressively targeting the cards with the highest interest rates. The card with the highest rate is a Chase Bank British Airways Visa card. The rate on this card? A crazy 29.99%. It used to be around 15% and then a …
Requesting A Lower Interest Rate On Chase Credit Cards Read More »
A few days ago I came across an interesting article on the bill that most Americans pay first each month. Before disclosing this bill, I want to share my answer to this question. While I currently do not have any problems paying my bills each month and have not for sometime (which I know is …
While I have more than my share of credit card debt, I am at the point where I am actively searching for zero percent balance transfer offers. I want to move my existing debt to zero or low interest plans so that I can pay it off without having to pay interest. Well, since I …
I Applied For 5 Credit Cards & Here’s What It Did To My Credit Score Read More »
With the exception of a brief period around 15 years ago, I never let bills go into collections. So, whenever I get a notice in the mail from a collection agency I already know that it is not really my debt. That thought is usually followed by annoyance at the fact that I will now …
Do Debt Collectors Have A Sixth Sense About Your Debt Payoff Plans? Read More »
I’m sure we’ve all heard that you should check your credit report regularly just to make sure that there are no irregularities on it. But how often is enough? And how often do you really do check it? It is super easy to check it once a year thanks to the Annual Credit Report website. …
How Often Do You Really Check Your Credit Report? Read More »
So, it is not my first time paying off credit cards, but the first time I’ve paid off more than one at once. While is my 312,434,343,343,139th attempt at paying off credit cards, I really think it will stick this time. Seriously. I’m addicted to crossing credit cards off my list. But anyways… I paid …
Deciding to pay off all of your credit card debt is a big step. Declaring that you will pay off all of it (almost 30K) in just 12 months is a HUGE step. I knew that when it was decided. And I knew that it would be a challenge. But I really want this to …