Dave ramsey and consolidating debt
Here’s a further breakdown of the various (non-DIY) options you have when it comes to getting help with your debt.Like the idea of an app to help you get rid of debt?Literally, put your credit cards in a cup or bowl of water and place it in the freezer.You’ll still have the card(s) for emergencies, but you won’t have it with you at the store or have it readily accessible for online shopping.To speed up your credit card payoff schedule, bring in some extra cash by selling your stuff on Craigslist, Facebook, e Bay, or a site like Decluttr.
Take the time to understand the difference and make the decision for yourself.If you don’t have junk to sell and you’re serious about reducing your debts, then consider taking on a second job or find a way to make extra money to really help with your finances.Use the extra funds towards reducing your credit card debt much quicker. If you get a bonus at work or find some unexpected money somewhere, also use those funds towards your debt.If you’re saying you’re not able to make your credit card payments but you haven’t yet gone hardcore frugal, then I have no mercy for you.Determine the minimum level of spending you need to give your family food and shelter. With this newfound money, you should find it easier to pay down the balances on your credit cards.