Help paying down debt

[Anonymous]

Not sure what your living situation is but I WFH and also do Rover. I make a lot of money (and have taken some cash clients) doing Rover and its doesn’t take much effort. This weekend for example, because of the holiday I’m making just over $1,000.

[Anonymous]

Anonymous wrote:

Anonymous wrote:YNAB - it's not cheap but it does help you budget to every dollar.

Monarch money is another option.

I’ve tried both and would strongly recommend YNAB over monarch for your situation.

[Anonymous]

First thing I’d do is try and get that CC rate lowered. Typically they’re very high.

Can you contact CC as PP said, asking for lower rate?

Can you get a personal loan with lower rate to pay off CC?

[Anonymous]

Have you considered transferring your credit card debt to another credit card with longer term 0%APR so you can focus on paying that off without interest?

[Anonymous]

I tried to over and it is a bust where I live - you need to be in a high use area to have that work out for you.

[Anonymous]

Anonymous wrote:Have you considered transferring your credit card debt to another credit card with longer term 0%APR so you can focus on paying that off without interest?

+1 Then put all of your credit cards in a drawer and do not use them. For anything. It's the only way.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Have you considered transferring your credit card debt to another credit card with longer term 0%APR so you can focus on paying that off without interest?

+1 Then put all of your credit cards in a drawer and do not use them. For anything. It's the only way.

Yes. Plus instill a "needs not wants" mindset in every family member. Treats are small things like ice cream cones or a takeout pizza once in a while. Cook at home, using modestly priced ingredients. We were wasting so much money on food and takeout. This helped our budgeting immensely.