Looking to get debt free how?

I live by myself and I work full time 40 hrs. I get paid $15.45 an hour, after taxes,401k,ect and all take home is about $950 roughly.

Thing is, I have about 5 grand in debt. made some bad choices ect long story... i want to fix it.

The good news is, I%26#039;m down to one credit card with a balance. The other 2 had small ones, I paid em and cut them all up. I have 2 cards, one has a zero balance(national city bank Visa) and the other has about $2100.00 on it(its a key bank mastercard). I plan on keeping one for emergences but once the one with the balance is paid, its getting cut up. The interest is about 14% on it.

i owe about 3600.00 on my car, the loan has an interest rate about 13%. i bought it in June, I put like 5 grand down so I don%26#039;t owe a payment till June of 09 but just want to get it done by then. The sooner the better. Early pay off penalty is 150$.

Any ideas? A debt card seems to be bad for me to. maybe just use cash?

Looking to get debt free how?

Here%26#039;s my suggestion. Get a loan that will pay for all your debts and consolidate everything to one debt. Then focus on saving money fast to pay that one quick.

Looking to get debt free how?

if you think you can pay it off, then go for it! i owe a lot more, try xs ten of what you owe and i have to file. wish you the best sweety

Looking to get debt free how?

get a loan that can pay everything you owe and then make a savings account and every week you get paid deposit $25 or maybe $50 or $100 and when you got to do payments you have some money saved up:) and make sure you won%26#039;t use it for anything else:) well this really helps me:) and i put about $75 to $150 in 2 weeks:0 oh and plus my rent $750:(

Looking to get debt free how?

Get Dave Ramsey%26#039;s Books-FINANCIAL PEACE %26amp; TOTAL MONEY MAKEOVER. Was in much worse debt than you and paid off everything but part of my mortgage. It truly works.

Looking to get debt free how?

One thing you might do... If you have good credit, some credit cards offer 0% APR for the first year, or 5% for the life of the loan for balance transfers. The stipulation is that if you miss a payment, the rate goes up to 20%, which could cause real problems. But if you think you can pay reliably, it might help to re-finance some of your debt with one of these.

Looking to get debt free how?

My advice would be to go and talk with a bankruptcy lawyer or some sort of professional who helps people get out of debt. Many of these people do free consultations where you can get some great advice. It doesn%26#039;t sound to me like you are even close to needing to file bankruptcy, but again, the advice you can get is very valuable.

Biggest advice I can give you personally is to keep your credit card payments steady. At home, keep only what you absolutely need and only buy what you really need.

Looking to get debt free how?

listen to Susan on MSNBC that lesbian works miracles she%26#039;s smart, my mom loves that show

Looking to get debt free how?

Get a 0% credit card, transfer all your debt to that card. Prepare a Monthly budget and stick to it. Never miss a payment on anything. Pay down your car now because they are charging you interest even if you don%26#039;t have a payment due. Build an emergency fund of about $4,000 and never buy anything on credit again except for you house.

Looking to get debt free how?

Spend only what you can afford in cash, and second, check your Fico score because if the amount is high (700 and up) that could reduce your interest rate of 10%. Check Suzie Orman book, Good luck!

Looking to get debt free how?

well.. a good advice, Cut your credit cards but DONT CLOSE THE ACC. cuz it you want to build a good credit closing them wont help... second, if you have a decent credit line.. you can always request for a cash loan. many banks will do it for an low interest rate. I did that a few years ago.. i paid every off and i had just one line of credit.. with low interest.!!! TRY IT!!!

Looking to get debt free how?

Try taking a second job til you knock out the debt. Keep at least $1,000.00 in the bank for emergancies until you get the debt paid.

Daveramsey.com is a good place to go for advice on money and debt. Listen to his radio show from his website or watch him on Fox Business News Network.

Looking to get debt free how?

You can check my profile for an idea. It is possible you can get a lower interest rate, which would make it easier for you to pay off your debts to society quicker.

Looking to get debt free how?

If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can%26#039;t be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.

Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.

A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn%26#039;t undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.

When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/artic...

Looking to get debt free how?

Here is a guide that is pretty good about getting out of debt. I would post it here but it is really large. http://www.okentrepreneur.com/viewtopic....

Hope that helps.

Also, Dave Ramsey is really good. I listen to him on the radio alot but have never read his book yet. I bet it is as good as his radio show.

-Adrian