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Xyzse

(8,217 posts)

7. I can forward you an Excel sheet I made to keep track of finances if you want.

Thu Dec 6, 2012, 03:46 PM

Dec 2012

Basically, you can input all your debt in to something, and show how much to pay each month.
From there you can try to figure out where and when to transfer debt to a lower APR.

I am not really happy with debt consolidation companies. Some people, it works, but for some it doesn't, Besides, a lot of the times if you do those things, it kills your credit score.

I would hate to have to grovel and ask for help from the family.

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I too seek advice - I did something really bad. [View all] Denninmi Dec 2012 OP

My dear Denninmi! CaliforniaPeggy Dec 2012 #1

get the bailout datasuspect Dec 2012 #2

!!! MiddleFingerMom Dec 2012 #9

I would go for the HappyMe Dec 2012 #3

Are there credit counselors who could help you find more alternatives HereSince1628 Dec 2012 #4

Get out of the credit card debt. siligut Dec 2012 #5

Balance transfers to lower rates, but remember to consider transfer fees as well as rates. dawg Dec 2012 #6

I can forward you an Excel sheet I made to keep track of finances if you want. Xyzse Dec 2012 #7

Go into debt settlement. Panasonic Dec 2012 #8

This message was self-deleted by its author Baitball Blogger Dec 2012 #10

Ouch. Don't know what to say. Taverner Dec 2012 #11

I had to declare bankruptcy twice because of credit card debt. RebelOne Dec 2012 #12