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05:04 PM on 11/27/12 
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sjb2k1
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the bull city
Female - 31 Years Old
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pick the one with the highest interest rate and pay it off fully.
05:12 PM on 11/27/12 
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sjb2k1
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the bull city
Female - 31 Years Old
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Well, they are all higher than the rate I am earning on my savings. So while I have cash in the bank, I am losing money on my debt's interest rate. So the question is whether or not the risk of having a low savings balance for a while so I can wipe my debt out is worth it.
okay so it's kinda all or nothing? pay that shit off. if something bad happens you'll have your credit card, not the greatest idea but at least you won't be caught with your pants down
05:14 PM on 11/27/12 
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sjb2k1
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the bull city
Female - 31 Years Old
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There is always the school of thought that says that I should just pay more on my debt than I save. I have been doing that, and maybe I should just keep doing that.
that's probably the best compromise if you don't want to risk your entire savings.
05:22 PM on 11/27/12 
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sjb2k1
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the bull city
Female - 31 Years Old
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Yeah, I guess your right. Ughhh, writing that check is gonna be hard.

A lesson to all of you, do your best to not use a credit card, its a real bitch.
honestly the only reason i haven't cut mine up yet is because i know my luck is that i would immediately need the physical card for something.

credit cards are the devil
05:32 PM on 11/27/12 
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sjb2k1
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the bull city
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see, i am delightfully irresponsible with my money, and the credit card only further facilitates my recklessness.
10:15 AM on 11/28/12 
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sjb2k1
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the bull city
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yeah honestly if you are only gonna wait a couple of months, and it'll help you get more of a cushion that you're comfortable with, makes sense to me.



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