Consolidating 50 000 credit card debt


07-Mar-2017 00:37

The ,500 I earned as an entry-level assistant in the television industry wasn’t enough to live the life I wanted, and I was dipping into my credit cards to support my lifestyle.

When I got off the phone with a creditor one day and discovered that I had let one credit card go unpaid for so long that I didn’t have enough cash to cover the minimum amount — ,000 — to bring the account current, I knew it was time to get serious about paying off my debt. But I took that anger and used it to make a decision: to stand up to the situation and the creditors and fix this thing.

One squirrelly trick to get yourself to save is an app like Acorns.

Once you connect a credit or debit card, it rounds up your purchases to the nearest dollar and puts the change into an investment account.

Paying down debt is not only about finding the right financial tools, but also the right psychological ones.

This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).

In June 2010, Brian Brandow was planning a summer trip for his family when he noticed something alarming: All five of his credit cards were maxed out, and he had no available cash.

"I went to my wife and said, 'We can't afford a vacation.

I came across Dave Ramsey, and since I didn't have any cash, I went to the public library and picked up his book 'The Total Money Makeover.' I read it in three days." That book kick-started the family's journey out of debt. Then they called up the remaining company and had their credit limit dropped to

This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).

In June 2010, Brian Brandow was planning a summer trip for his family when he noticed something alarming: All five of his credit cards were maxed out, and he had no available cash.

"I went to my wife and said, 'We can't afford a vacation.

I came across Dave Ramsey, and since I didn't have any cash, I went to the public library and picked up his book 'The Total Money Makeover.' I read it in three days." That book kick-started the family's journey out of debt. Then they called up the remaining company and had their credit limit dropped to $1,000. "One of the first things I remember talking to the kids about was the ice cream truck," says Brandow.

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This compensation from our advertising partners may impact how and where products appear on the site (including for example, the order in which they appear).In June 2010, Brian Brandow was planning a summer trip for his family when he noticed something alarming: All five of his credit cards were maxed out, and he had no available cash."I went to my wife and said, 'We can't afford a vacation.I came across Dave Ramsey, and since I didn't have any cash, I went to the public library and picked up his book 'The Total Money Makeover.' I read it in three days." That book kick-started the family's journey out of debt. Then they called up the remaining company and had their credit limit dropped to $1,000. "One of the first things I remember talking to the kids about was the ice cream truck," says Brandow.

,000. "One of the first things I remember talking to the kids about was the ice cream truck," says Brandow.

He made an Excel spreadsheet and wrote down every single little expense the family had each month and cut out luxuries like the satellite radio he enjoyed on his commute to work and the kids' subscription video game service. "Ice cream is their favorite dessert, but if we got ice cream for the five of us it could be . '" Brandow also realized their local credit union offered a debt management program, and he gave them a call.We’ve all heard this personal finance advice: For the price of your daily latte, you could launch your dream business, pay off credit card debt, become a savvy investor or build your savings to astronomical levels.



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