Hi ladies! I’ve accrued around 9k in CC debt that I have a burning desire to get rid of and it’s making it hard for me to save as much money as I’d like. Do you have any tips or success stories? TIA!

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I just did it!!! Feel free to message me and we can chat about it!

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One major things is to look at what exactly are you buying with your money. See what expenses you can cut. Then, set a budget and stick to it. It seems like general advice but it helped me get mine down.

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These were all reckless, finger happy expenses that just got out of hand. I definitely want to be more focused given that I won’t be traveling until 2021.

Consolidated loan and cut that cc

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I was in a similar position earlier this year. I had about 12k in CC debt with an average interest rate of about 20ish percent. In Feb, I took out a 3 year personal loan with Upstart of 11,500 with an interest rate of about 11% and used that money to pay down my CC debt. Starting in March, I then used a combination of some savings, tax refund, stimulus check, and a portion of every paycheck and was able to pay off the personal loan in about 3.5 months instead of 3 years. It took 5 months of discipline but I’m now CC debt free and personal loan debt free!
*Disclaimer*: Not a finance guru or anything and this is just something that worked for me personally.

Good luck on your CC debt free journey!

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Thank you very helpful!

Look at Dave Ramsey's guide

Okay, fair. He is a reasonable resource if you need a quick run down on the debt-snowball method for debt reduction. Outside of that, he’s not very practical and he’s a little too “Tony Robbins.” He’s one of those, “LIVE DEBT FREE TODAY. BUY A BEATER CAR WITH CASH.” In a market that is tanking, it’s actually very foolish to rush to pay off debt and live on cash alone. The value of the dollar is decreasing; the value of your debt held decreases. You can refinance. Don’t listen to these self-help nut jobs. Just do your research and pay attention to the market. Talk to your friends in finance. Literally any of them.

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