#getting out of credit card debt

[debthelperdotcom]

My interest rates are a quarter of what they were-- Actual Client thanks D...

[notherpuppet]

So I'm gonna keep it a buck--I will still pretty much draw whatever I want whenever I want LOL. But it's been super fun and really nice having you guys around to share my obsession with! 🥹💕 I'd love to know your thoughts about what you'd like to see from this blog in the new year :) And feel free to comment below! It's fun to share ideas and shoot the shit with y'all~ 🥰💖

[bitchesgetriches]

Hey bitches! Just wanted to share a hack I have been using when it comes to paying down credit card debt. When I see something that I want but do not need, like say, a workout set in a color I adore when I already have plenty of gym clothes, I'll instead pay the amount that I would have spent on the item(s) towards my credit cards. It's been super useful, especially this time of year when there are so many temptations on sale, lol.

I love this! This is such a great way of rewarding yourself for good money habits. Thanks for sharing with the whole class, honey! We're super proud of you.

Here's more on paying off debt:

How To Pay off Credit Card Debt: From the Snowball to the Avalanche Method 

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

Did we just help you out? Say thanks on Patreon!

[tirfpikachu]

tfw i have $948cad and rent is $980 AND MY PLACE IS A WRECK

[wisemakerzombie]

will it take half a year to fully pay off one of my credit cards yes. will it be worth it to be somewhat debt free also yes

[witchcraftingboop]

Me: Hey, since you've been unemployed for forever, who has been paying your credit card bill? Cause it hasn't been me.

Little Sister: Oh that went away!

Me, sinking feeling in my stomach: What do you mean?

Sister: I deleted the app

Me: . . . Okay, but who paid it off?

Sister: Boop, relax. It's just gone, I couldn't log in, so they must've cancelled my account or something, so it's gone now! Problem solved!

Me: . . . . What d'you mean??

Sister, exasperated: It's gone! I don't owe anything!

[macroglossus]

as frustrating as it is it’s also sort of funny to see my (very smart math-y) mom, with whom i had nightly weeping raging battles over math homework from about 9-15, finally understand that i am simply NOT GOOD AT MATH AT ALL because she’s trying to explain credit card billing to me and it is simply not getting through. somehow has insisted i’m too hard on myself and am actually good at math for years but i can see the faltering conviction in her eyes

[freakoutgirl]

God my mom is so bad with money

[p0tat0-g0ddess]

mm. money

[iguessyouregonnamissthepantyraid]

i'm officially TAing this semester starting tomorrow LET'S FUCKING GOOOOOOOO

[autistic-shaiapouf]

Gonna have to bust out the comm sheet soon bc work is not scheduling me and. frankly. I simply do not want to be there as of late

[lovefromkelly]

ok I don’t think every gay person can have undiagnosed adhd

[bitchesgetriches]

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.

The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!

Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.

Keep reading.

Did we just help you out? Join our Patreon!

[sleepy-crypt1d]

outrageous that i dont have the money to spend on cute clothes for my dolls what do you mean im an adult and cant spend all my time on my floor dressing them up

[tiredflowercrown]

Finally attempting to do something about it but I fear it's to late

[bl00dh0rs3]

Ive been having lots of talks lately with my mom abt politics n the state of the world, Good conversations to be sure, and theyre great bc we both make good points and can compare different experiences and all -- but good God the fact that she's still seems to have. More subconscious faith in the moral integrities of the nebulous concept of a government or corporation More than she has faith in the the moral integrity of the nebulous concept of our societal peers. She talks about it like the Second a group like that is founded, its set of ethics just Miraculously appears out from the ether + just happens to Always be morally sound by default. I cant seem to find a way to word things that with like... idk. Help it Click that those corporations are still run by People and are therefore just as fallible 💀 technically More so but she's convinced capitalism is Never going to go away so she doesn't care about the whole "company's and governments in power, as they exist today, Have A Monetary Incentive To Lie To Us As Much As They Can" thing cuz shes such a damn pessimist and assumes All people have been doing that Forever 💀💀💀 SIGH it's nbd i just needed to put it in words bc its been on my mind on and off