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Money and Finances
Reply to "renovations went completely over budget...floating expenses on a credit card now"
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[quote=Anonymous]Regarding strategy ... it may be that the floating credit card plan is cheapest. Therefore best. Can you mange the big payment? If so, maybe you can endure for a year and then you will just be free of it. You can remind yourself that you really enjoy your improvements and that a year of austerity was the price of new counters, or the sweet assurance that bad wiring is not plotting to kill you. :) If there's no way to keep up with those payments, maybe moving from once from the first 15-month card to a second 15-month card will solve the problem. Or maybe you can get a reasonable installment loan, set to pay down at brisk but not exhausting pace, and autopilot your way back to zero? Meanwhile put a little back in emergency savings each month to develop a shred of sanity and security. If you are otherwise in good financial shape, you can take out the 20k. Don't feel too horrid. If you have a lot of other debts you need to look more carefully at your strategy.[/quote]
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