Well, I have plenty of debit, as I think most Americans do! Not sure if things are different in Cananda?! If you are talking about credit cards, be sure your payment is never late because they can raise your interest rate to an astonimcal amount if you slip up. Also, watch for new credit card offers with balance transfer options. That means that you transfer the balance from one card to another to get a better rate. Its known as the credit card shuffle!! We do it from time to time. a lot of cards will offer a year of no interest for transfers so after the year is up, we transfer the balance again, saves a lot of money in finance charges!!
It will take forever to pay off credit cards unless you can pay more then the minimum amount, as I'm sure you are aware. I always try to pay as much as I can. As far as saving money, I guess I don't have a lot of advice there, sorry! I came from a very poor background so I've always had to struggle!! Lots of love and Big hugs!!
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Taking it one day at a time.....
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Re: Need Help - Financial/Stress Issues
