debt-riment
i'm not sure how many of you read this but thought i'd ask for some advice on how to help kick my debt's ass.
see, it's mostly this one credit card whose minimum payment is more than half of what a pay for rent. it's pretty damn high but i'd be able to afford it if i didn't have like 10 other bills i have to pay (student loans, car, other credit cards)
while i should blame myself for this debt i blame it mostly on the rain (because the rain don't mind and the rain don't care). oh and college. i blame it on all the expenses that come with "college life".
ANYWAY, i've been thinking about either taking out a loan or maybe applying for another credit card with low apr and a maximum limit of ohhhh, $12,000. now i think my credit is pretty good because i pay everything on time, give or take a couple days (there was one time where i was a week late)
now taking out a loan and applying for another credit card to transfer the balances of my massive credit card onto seem to pretty much be the same sort of way to handle it. i just don't know which method would be best. i'm too much of a baby to call my credit card and try to negotiate a lower rate and crap. this minimum payment is just killing me and i'm too young to die. any advice? know of any other jobs besides a stripper or dealer to get fast money? can anyone get me on wheel of fortune? xoxoxo
see, it's mostly this one credit card whose minimum payment is more than half of what a pay for rent. it's pretty damn high but i'd be able to afford it if i didn't have like 10 other bills i have to pay (student loans, car, other credit cards)
while i should blame myself for this debt i blame it mostly on the rain (because the rain don't mind and the rain don't care). oh and college. i blame it on all the expenses that come with "college life".
ANYWAY, i've been thinking about either taking out a loan or maybe applying for another credit card with low apr and a maximum limit of ohhhh, $12,000. now i think my credit is pretty good because i pay everything on time, give or take a couple days (there was one time where i was a week late)
now taking out a loan and applying for another credit card to transfer the balances of my massive credit card onto seem to pretty much be the same sort of way to handle it. i just don't know which method would be best. i'm too much of a baby to call my credit card and try to negotiate a lower rate and crap. this minimum payment is just killing me and i'm too young to die. any advice? know of any other jobs besides a stripper or dealer to get fast money? can anyone get me on wheel of fortune? xoxoxo