Heart Card
Getting Yourself Out Of Credit Card Debt
I knew I was in trouble when I was getting phone calls from creditors. It was definitely time to clean up my act. Luckily I had a job, so with some big changes to my lifestyle I’d be able to work on fixing my debt situation. I started by looking for advice on the internet and found ways to approach my situation.
I printed up all my credit card statements and just about had a heart attack! I had no idea my interest rates were so high! I now could see that the new dining room furniture set I’d just bought was costing me much more than I thought. It was time to really get this sorted out. I also didn’t know how bad my debt was, and quickly totaled it up to see the amount was in the $15,000 range.
So the articles I read recommended I next destroy my credit cards, so I did. I just took a pair of scissors and cut them up into tiny little pieces. I had fun with it and really shredded them, and they ended up all over the carpet. I pulled out my dyson upright vacuum cleaner and sucked up all the little bits of plastic and felt totally liberated.
Next I organized my debts in order of which had the highest balance. The ones with the highest balance were to paid off first, and you pay just the minimum on the rest. This is what experts call the ‘Snowball’ approach to getting rid of debt. In my first payment, I wiped out one card and paid the minimum on the rest. The second month, I put a nice dent in my Mastercard bill and it went on like this for about three years. By the end of year three I had only two cards left and only about $4000 left to pay.
It was still going to take some time to get rid of these last two, so I called the card issuers and told them I needed them to reduce the interest rate. It took a lot of time on hold, but it totally paid off! Now I have two cards at 9% APR instead of 29%! Really, all you have to do is ask and I’m kind of bummed I didn’t try it sooner. Now there’s way less finance fees to pay each month,
So now I’m a savvy spender, always paying with cash, and if it cost so much I need credit, I don’t need it that bad! I have two cards left open for emergencies, but the balance is firmly at zero. I won’t ever go back to those bad spending habits again.
The feeling from taming your debt is so amazing. I know now I’ll never get calls again from debt collectors, and I can sleep nice and easy every night on my comfy full size loft bed.
How to Make Pop-Up Cards & Envelopes : How to Make a Pop-Up Heart Card: Part 1
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Hortense B. Hewitt Wedding Accessories Thank You Note Cards, Diamond Heart, Pack of 50 $22.80 White thank you cards with embossed hearts design, prismatic foil accents and the words Thank You scripted in silver ink. Cards are 4-7/8 by 3-1/2-inch. Package of 50 cards and white envelopes. Blank inside. Your wedding deserves the best – and the best comes from Hortense B. Hewitt, the leader in quality wedding accessories for more than 60 years…. |
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Hortense B. Hewitt Wedding Accessories Thank You Cards, Silver Linked Heart, 50 Count $15.70 Don’t forget the thank you notes. These lovely cards will make it fun to send messages of appreciation for all those gifts. White thank you notes feature a silver foil entwined hearts design. Package of 50…. |
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The Divine Heart of God the Father Encompassing All Hearts Prayer Card The Consecration Prayer card to the Divine Heart of God the Father is provided by the Apostolate of the Divine Heart. This prayer card is complete, with a reproduction of the actual, diptych, ecumenical, revealed icon of the Divine Heart of the Almighty Father. The Consecration Prayer on this card leads to the Seal of God the Father, as described in the Book of Revelation in Sacred Scripture…. |
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Wedding Card Box – 2 Hearts Design $3.50 Two Hearts Wedding Card Box. Collect cards at your wedding reception or ceremony in this cardboard box. You’ll love the romantic two hearts design. 12″ Simple assembly required…. |
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Hortense B. Hewitt Wedding Accessories White and Black Damask Heart Thank You Cards, 50 Count $15.99 Each bride is unique, and the key to finding everything she wants is an extensive selection with options to coordinate. Take a look at what Hortense B. Hewitt has to offer, and you won’t be disappointed. Look at Hortense B. Hewitt and you’ll find thousands of beautiful wedding-day accessories, bridal shower musts, fun wedding favors, bachelorette party novelties and anniversary mementos. In the ea… |
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