Need some advice

iVillage Member
Registered: 08-19-2003
Need some advice
3
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?????
iVillage Member
Registered: 02-19-2004
In reply to: gomom99
Sun, 02-27-2005 - 9:22am

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.

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Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
In reply to: gomom99
Sun, 02-27-2005 - 9:35am

Firstamendment is right - it's one per year.

All my best,
Danni

iVillage Member
Registered: 06-24-2003
In reply to: gomom99
Sun, 02-27-2005 - 2:13pm
I agree about needing some time off. I was working two jobs until last November. We have credit card debt that the second job helped with, but I was getting overwhelmed and stressed when I never had any time off. So now we are managing to get by without the extra income and I feel like a new person. No one can make the decision for you, but I guess you have to decide which is more important. To me, having more time with my family and less stress won out over the extra money.