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Reply to "Deep credit card debt "
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[quote=Anonymous]Dave Ramsey can be helpful, but I think it's a lot to digest if you're stressed about the payments. Look for a personal loan (i.e. Lending Club, Lightstream, Credible) to consolidate your debt. These loans will likely have lower interest rates than your cards and you can't charge more to the loan like you can with a card as the balance is reduced. Having one monthly payment for a set amount every month on a day of your choosing is manageable and much less unwieldy than keeping track of multiple cards and payment dates. Then put your cards in a ziploc bag of water and freeze them. Also make sure you delete them out of your Google Pay if you use something like that. Once that is settled, then read Dave Ramsey or whichever financial celebrity has a method that works for you.[/quote]
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