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.

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.

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.

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?

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 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.

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.