New here - looking for help with cc debt
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|Thu, 06-26-2003 - 10:36am|
I decided to look for some support groups that might help with my cc debt. In the past year I've managed to run up some debt. Before that we were great. We had no debt, or maybe a couple of hundred on the cards. Now I have a card with over $3,000 on it. I don't use it. It was a card I got with 0% and just pay on it. I have 2 other cards, that I do use. One is over $2,000 and the other is just over $1,000. I know I shouldn't use them and just pay. My problem is the internet. I tend to buy. I have stopped any clothes purchases. Which racked up a bunch. I used the cards at Christmas. It's just easier to purchase on the net than go out to the stores.
My problem is, how can I pay down this cards quickly without getting a loan? I need to get a new car towards the end of this year. A minivan or even a SUV. I am starting a business in the fall and I need the room for the products. This business is not costing me money out of pocket so I won't be incurring any more debt. But I need to pay off the cards before I can have a car payment. I need to stop using these two other cards and stop the impulse buying. I can't stay off the net, since I need to advertise, but I am working on not surfing. I also have been deleting my emails that have anything to do with purchasing or sales.
Any suggestions or programs you know of would be wonderful. I want to get back to using my credit cards and being able to pay them off at the end of each month (if I use them). We used to just use them for emergencies or when we didn't have the cash or checkbook on us at the time, but would pay it off.
Sorry so long!