Return to
The Dollar Stretcher
Homepage
Visit TDS Community
Welcome Center
1st Time Visitors
Contact Us
 
RSS
Subscribe to The Dollar Stretcher ezine
Welcome to Dollar Stretcher Community Sign in | Join | Help
in Search

how much credit card debt do you have?

Last post 10-09-2008 12:07 PM by slk2042. 54 replies.
Page 2 of 6 (55 items) < Previous 1 2 3 4 5 Next > ... Last »
Sort Posts: Previous Next
  • 06-18-2008 1:03 AM In reply to

    Re: how much credit card debt do you have?

    None, really - I used my card to pay for maintenance and car repair - but that money is in savings, and will be applied as soon as the bill comes in.  I paid mine off, and I much prefer to keep them that way. 

  • 06-18-2008 9:31 AM In reply to

    Re: how much credit card debt do you have?

    We are currently looking at cut back on groceries, I found i have so much in the cupbouards right now that it was a good time to start! i wrote down all we have in a booklet and as i use it up i will cross it off! I also Signed up with Chrisco hampers to help us out on the grocery bill near christmas time. As long as DH doesn't take more than his share of dinner i should beable to keep the grocery bill way down..good luck to me!

  • 06-18-2008 9:43 AM In reply to

    Re: how much credit card debt do you have?

    We still have $1200 on our last credit card. I have not received our rebate check (we filed our return on April 15 and the irs.gov says that it could be an additional six weeks past the dates given for mailing out paper checks, ugh). Once we get our rebate check of $1800, that debt will be gone. Our highest credit card debt was $6800 in December of 2007 and we have paid it down to $1200 since January by (1) stopping the use of credit cards--physically taking them out of our wallets; (2) taking any savings from living frugually and following a budget and paying it right toward our debt. We were able to increase our $300 a month credit card payments to $600 or $800 even one month. Applying a Christmas gift of $500 to debt rather than buying something with it also helped.

    I understand about the fear of needing to use a cc when an unexpected expense comes along--like a cell phone bill or vet bill, etc. We have tried to build up our emergency savings account so when we get an unexpected exepense (like needing to buy a wet/dry vac to clean up water in the basement after our storms recently), we can pull $150 cash out of the account and buy it. Our savings is not huge yet (has $500 right now), but in the past, we would have put the shop vac on a credit card as we would not have had cash.

    Erika
  • 06-18-2008 10:25 AM In reply to

    • MarthaMFI
    • Top 25 Contributor
      Female
    • Joined on 04-16-2008
    • New Westminster, BC, Canada
    • Posts 1,882

    Re: how much credit card debt do you have?

    way too much!  hopefully our line of credit goes though and we will put it all on that to save interest and then use that money we were spending on cc payments to the line of credit.

  • 06-18-2008 12:11 PM In reply to

    • babs
    • Top 10 Contributor
      Female
    • Joined on 04-02-2007
    • Vermont
    • Posts 2,912

    Re: how much credit card debt do you have?

     Zero, thank G'd. Babs

  • 06-18-2008 12:36 PM In reply to

    Re: how much credit card debt do you have?

    $7800, it was supposed to be paid of by this past March...until dh's job loss last fall. So now we're back on track again but much much slower going since dh had to take a lower wage job, and gas and groceries are costing more.

    It sucks.

    Michelle in Northern Michigan
    Officially Recognized Stretchpert in Self-Sufficient Living

    Michigan...Number 1 in Unemployment! (might as well be number 1 in something...)

  • 06-18-2008 6:12 PM In reply to

    • happygerl
    • Top 200 Contributor
      Female
    • Joined on 02-23-2008
    • Northern Ky right across the river from Cincinnati
    • Posts 43

    Re: how much credit card debt do you have?

    noneBig Smile

  • 06-18-2008 9:20 PM In reply to

    • MarthaMFI
    • Top 25 Contributor
      Female
    • Joined on 04-16-2008
    • New Westminster, BC, Canada
    • Posts 1,882

    Re: how much credit card debt do you have?

    bakersdozen, I signed up for the summer chrisohamper for the same reason, prices going up.  but just summer selections. got an email saying if you ordered $250 or more by June 27 from the summer catalogue, you save $20.  summer selections was $270 so costing me $250.   have been getting the xmas hampers for a few years now.

  • 06-18-2008 9:43 PM In reply to

    Re: how much credit card debt do you have?

    We have one credit card.   It is only a Lane Bryant one.   It has a grand total of about $64 on it.

     

    That is all. 

  • 06-19-2008 7:13 PM In reply to

    Re: how much credit card debt do you have?

    I owe $1213 on my one and only credit card.  I haven't been working due to disability so the balance just keeps rising.  I just found a job and plan to get this thing paid off asap.

    Christine
Page 2 of 6 (55 items) < Previous 1 2 3 4 5 Next > ... Last »
A More Meaningful Christmas
Here are common sense, practical ways to make Christmas special
--
Please check the Dollar Stretcher Community group for guidelines and help files, or to ask for help with the forum.
Powered by Community Server (Commercial Edition), by Telligent Systems