Credit Card Debt/Problems paying bills

[wolf]

Originally Posted by bbro

Well, some maybe good news. The increase in pay is most likely. Let me see if I can get this right. The guy (M.C)that I contact at the consulting company said that the woman (S.C) that contacts the company I work for (E.C) had already talked to my boss about an increase, but didn't give a figure. M.C said that S.C said that E.C is open to the idea of paying me more. When I told M.C the figure I need, he said that it shouldn't be a problem at all.

Good luck with that, keep to the plan to pay off rather than to spend with the extra.

I also called my credit union to see about a personal loan. That way, I figure I can at least pay off one credit card and pay them back over a longer time with a lower interest rate (fingers crossed) and smaller monthly payment.

If you can go with that option (several years ago I had approached my bank to try to consolidate and they wouldn't issue a loan for the amount I needed, just some miniscule amount that did me no good), ONLY do so if you are able to at least double the amount of the payment they are asking for. You'll do yourself a huge favor.

With both of these things, if they work out how I hope, I will have enough money to pay bills, hide my cards, and still be able to live.

If you have to hide the cards, you're not learning anything. Think about this.

I even have an option of carpooling with someone at work. We would drive alternate weeks to save money.

Only workable if your gasoline costs are very high. If you're keeping the car, you still have to insure and maintain it, even if you're not driving it as far. How old is the car, is it paid off, what are your fuel and maintenance costs?

Keep your fingers crossed!

you betcha.