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Need some advice
| Sun, 02-27-2005 - 1:09am |
Sorry I haven't been on for a while, my phone was out for a week (I hate sprint!), and I've been swamped with work. I now have all new wiring and all new jacks, so hopefully I won't have any more phone trouble. I have a couple of questions I would like to ask, hopefully someone can help. First, I have gotten my tax refund (I wasn't expecting one at all, so it was cool) and paid all I could on everything I could. One credit card is paid off, two are down around $100, another is $350 or so, another is $165, another $700, and the two biggies are hovering around $2800 each, give or take. I don't have exact numbers in front of me, but at least they are all under the limit and caught up. I also paid one propane bill, but had to order again, so I owe them $345. I feel like I'm making headway, but it's slow going. So my first question is this: My state is eligible for free credit reports on March 1st. Should I order one right away, or should I pay my cards down more first? Is it one free a year, or two? As for my second question: Working two jobs is about to kill me, and I'm seriously considering leaving the second job. It contributes about $600-$650 a month, but I never have a day off, ever. I was thinking about working until the end of the school year, possibly a little longer, but it's getting harder and harder. I just need someone to convince me to stay, or give me a reason to make up my mind one way or the other. Someone get behind me and push me one way or the other, please?????

The free credit reports are one per year. But they won't show you your score. If you were getting the score, then I'd say wait until a few months after you paid those little one's off. If you aren't paying to get the score, then just get it on March 1 to make sure it is accurate.
You need days off. But if I were you, I'd hang in there until the little credit cards (the one's $700 and under) and the propane bill were paid, and then save up enough for next year's propane too. I would find a zero interest card and try to get the remaining balances (the two just under $3,000) onto a card that had no interest for a year 1/2. That way even though you would be paying them off slower without the second income, you wouldn't be incurring new interest either.
Firstamendment is right - it's one per year.
All my best,
Danni