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<blockquote data-quote="tRidiot" data-source="post: 4725304" data-attributes="member: 569830">Figure out how much extra over minimum payments you can afford each month. Say your total minimums are like $1k, but you can afford $1200 a month. Pay a little over minimums (like 10%) on each card is what I do, then apply as much extra as possible to the card with the highest interest rate. That card is costing you the most each month, so you want to focus on getting that balance down.Once that card pays off, put ALL that extra toward the card with the next highest interest... don&#039;t think of it as, &quot;Whoo-hoo! Got one card paid off, now I have an extra $200-300 a month!&quot; Think of it as still having to pay the same $1200 a month, just that it&#039;s going between less balances... if you follow this method, the payoffs will snowball once you get the first one done.Of course, getting another job is always an option. I do NOT advocate letting them go without paying them, as they can and will screw up your credit. How LACRX is making it by I don&#039;t know, but I&#039;d be surprised if it doesn&#039;t catch up with him soon. Personally, I have alot more CC debt than you and many many times more total debt (it sounds like). I would like to take the easy way out and declare bankruptcy, etc., but I can&#039;t do that, morally. I made a commitment I would try to pay off the debt I&#039;ve accumulated and I won&#039;t go back on my word just for the sake of convenience.Creditboards.com is a good resource for dealing with debt and credit issues.</blockquote>

[QUOTE="tRidiot, post: 4725304, member: 569830"] Figure out how much extra over minimum payments you can afford each month. Say your total minimums are like $1k, but you can afford $1200 a month. Pay a little over minimums (like 10%) on each card is what I do, then apply as much extra as possible to the card with the highest interest rate. That card is costing you the most each month, so you want to focus on getting that balance down. Once that card pays off, put ALL that extra toward the card with the next highest interest... don't think of it as, "Whoo-hoo! Got one card paid off, now I have an extra $200-300 a month!" Think of it as still having to pay the same $1200 a month, just that it's going between less balances... if you follow this method, the payoffs will snowball once you get the first one done. Of course, getting another job is always an option. I do NOT advocate letting them go without paying them, as they can and will screw up your credit. How LACRX is making it by I don't know, but I'd be surprised if it doesn't catch up with him soon. Personally, I have alot more CC debt than you and many many times more total debt (it sounds like). I would like to take the easy way out and declare bankruptcy, etc., but I can't do that, morally. I made a commitment I would try to pay off the debt I've accumulated and I won't go back on my word just for the sake of convenience. Creditboards.com is a good resource for dealing with debt and credit issues. [/QUOTE]

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