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Reply to "Be honest - How many of you pay your complete credit card balance off each month?"
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[quote=Anonymous][quote=Anonymous]I'm a single parent who has been underemployed for years. I finally found a job a few months ago in my field where I make around $50,000/yr. Sounds like a salary most DCUMs would complain about but it's all relative. I was making half that when I was underemployed. Those years of making $28K left me in around $15K of credit card debt. My job offered no health benefits so I had to pay for my own policy for myself and my DD. That was a HUGE chunk of change. Plus I had a high deductible so I ended up paying for every doctor bill anyway. I ended up charging some of the doctor/dentist bills or they would've sent the bills to collections. My credit cards were all zero balance cards but it was hard to pay much more than the minimum each month. My ex sometimes paid child support so I couldn't really count on that each month. Now I am finally paying off the balances and it feels great. Not everyone w/ credit card debt is charging up a storm on eating out, traveling, clothing, jewelry, electronics, etc. I agree with the poster who said that sometimes very inexpensive "things" are important for keeping your morale up. My DD get ice cream out once a week as a treat. I defend spending that $6 each week. Most folks who post on this board have very high HHIs so I think the responses will represent that. I cannot imagine making enough money in one month to pay off my $15K credit card bill but I am sure plenty of posters could do that w/ no problem. [/quote] I feel you. Me too! Congratulations on getting a job in your field![/quote]
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