credit cards

Philippines
July 25, 2007 3:30am CST
Need help to manage my credit cards nightmares!Its just so happen that its tempting to use it even if you're way out of your expense account!Need advise on how to get rid of these cards and manage my expense more properly!Do you have any idea? One more thing do you have any idea to ward off the credit companies collection agents?They're so rude most of the time!
2 people like this
3 responses
@DJ9020 (1596)
• United States
25 Jul 07
One thing I did was start leaving my credit cards at home. That way I had to plan ahead to use them. And when I planned ahead, I often found I could wait for certain items until I had saved the money for them. It certainly helped with impulse buying. Also, I waited for a really good offer to transfer my balance to an account with a lower interest rate.
1 person likes this
@sid556 (31018)
• United States
25 Jul 07
I went to a local, non-profit debt consolidation company. They lowered interest rates and also took over dealing with the credit card people. It has been nearly 2 years and I have no regrets. My debt will be completely cleared up in another year. If I had gone on as I was, I'd be paying for a lifetime.
1 person likes this
• United States
25 Jul 07
Hi ethel, I somewhat understand your situation. We used to have a bunch of credit card debt as well. We slowly but surely got rid of our debt after learning about Dave Ramsey and reading his book The Total Money Makeover. That book has forever changed the way we live. I highly recommend it. Check at the library and ask if they can get it for you. It's a long road to get rid of your debt, but there is nothing else more worth doing. Let me know if you need any thing.