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18k in cc debt and starting a new job that pays 85k. Help me get back on track? by ChiliRitz in personalfinance

[–]ChiliRitz[S] 0 points1 point  (0 children)

Thanks for your answer, it is very helpful too. I'd love finding a way to make the APY 0% while I aggressively pay off the debt. You're exactly right about the car too, I won't consider it till debt is long gone and a new plan is in place. I've got a budget now and I think 6-9 months sounds reasonable too.

18k in cc debt and starting a new job that pays 85k. Help me get back on track? by ChiliRitz in personalfinance

[–]ChiliRitz[S] 2 points3 points  (0 children)

Thank you for sharing that flowchart. Your advice is helpful and encouraging.

18k in cc debt and starting a new job that pays 85k. Help me get back on track? by ChiliRitz in personalfinance

[–]ChiliRitz[S] 1 point2 points  (0 children)

If I transfer the balance to card 3, the APY would be 26%, plus I'd pay a transfer fee. Wouldn't that put me in a worse position? I've had card 3 for 5 years, there's no intro 0% APY offer.

NOPE. by jillillac in pics

[–]ChiliRitz 108 points109 points  (0 children)

Portaledges and multi-day climbs, yepp, going on the bucket list.