A: Yes, Dave has the solution. Make a budget (spend what you earn on paper before the first of each month) Spend less than you earn, put the extra on your smallest debt, get a second job and put all of that on the debt. Yes it really does work. We have been
The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey ...
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The Total Money Makeover, A Proven Plan for Financial Fitness
Myth: Debt consolidation saves interest, and you have one smaller payment. Truth : Debt consolidation is dangerous because you treat only the symptom. ...
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The Money Answer Book, Quick Answers to Everyday Financial Questions
What abOut DEbt cONsOliDatiON Or cOmpaNiEs that prOmisE tO clEaN up mY crEDit? Debt CONsolidation doesn't work. You end up paying about the same amount. ...
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I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over a period of time (big bummer) so I can’t get a new card. I almost went with Capitol One, thats how desperate I was. But alas I’m still stuck with these two high interest cards. They’re college cards that I got when I was 18 (24 now). I tried to get the companies to lower the interest rate but they gave me a song and dance about the rates being on perma-set rate. So i need advice/help bad.
Best thing you can do is pay them one at a time, always paying more than the minimum. Once you have one paid off, use the payment from that one and put it on the other one. Consolidation only moves debt, it doesn’t get rid of it and you’re better off actually having two…that way you can see progress.