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Originally Posted by sassypup  $15K isn't too bad.
The way we handle this in our household is to come up with a gameplan and a strict budget and follow it...ie, how much should you spend on groceries per month, clothes, paying off the cc Use some sort of program like quicken or excel to track all this.
For sure apply for 0 interest cards...some cards will give you 0 interest for 12-15 months. |
I definitely agree with Jennie that a computer program really helps track everything. Personally, I LOVE my Microsoft Money. You can run various reports, break it down by expense category, and really analyze your spending from all different angles! It also has a debt planner to tell you where to put your money, based on the amount "extra" you have each month to put toward debt!