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Herbert I McDunnough
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| Number of Posts: | 5 |
| Registered on: | 10/13/2016 |
| Online Status: | Not Online |
Recent Posts
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re: Getting Rid of Credit Card Debt
Posted by Herbert I McDunnough on 8/15/19 at 3:22 pm to LSUFanHouston
I think I may go with the negotiate a lower rate option. Anyone have success with this? What department at Chase would I contact? How should the conversation go?
1
re: Getting Rid of Credit Card Debt
Posted by Herbert I McDunnough on 8/15/19 at 1:20 pm to good_2_geaux
We are only into year 3 of our mortgage and year 1 of our only car note.
re: Getting Rid of Credit Card Debt
Posted by Herbert I McDunnough on 8/15/19 at 11:43 am to good_2_geaux
I know. I feel like we were lucky to catch it when we did but yet I feel bad because we had to tighten our budget significantly over the past year or so. Not as much eating out, vacations, etc.
These scare me because it feels like I'd be sinking us even further down. Just don't know anyone with experience with these. Aren't there people that help with debt consolidation that can possibly negotiate a better interest rate?
quote:
You could always consolidate your debt with a loan.
These scare me because it feels like I'd be sinking us even further down. Just don't know anyone with experience with these. Aren't there people that help with debt consolidation that can possibly negotiate a better interest rate?
Getting Rid of Credit Card Debt
Posted by Herbert I McDunnough on 8/15/19 at 11:29 am
Backstory: After our 2nd child, wife and I never really sat down to rework our monthly budget with the added cost of a second child. Got into some bad habits of trying to put everything we could on the credit card to try and maximize our points. Ended up with close to $15k in CC debt. We have since cut off the credit card use and went back to operating strictly from the debit card. Got our budget under control and paying about $600/month to the credit card to eventually erase the debt.
Any recommendations on how to erase the debt quicker or more efficiently? I have been reading Dave Ramsey's steps to get out of debt. I have also been getting mail from Goldman Sachs about personal low-interest loans but I've never known anyone who has gone that route.
Any recommendations on how to erase the debt quicker or more efficiently? I have been reading Dave Ramsey's steps to get out of debt. I have also been getting mail from Goldman Sachs about personal low-interest loans but I've never known anyone who has gone that route.
re: OT history lesson for the day. The Blondie/Sports2/SFP saga
Posted by Herbert I McDunnough on 2/28/18 at 1:17 pm to Cosmo
What ever happened to Meatloaf?
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