Somehow my CC debit skyrocketed to 4k (dental work and a puppy in one year)...

any advice on obtaining a lower interest rates and working down the debt?

I have a financial goal of paying down my CC- currently at 13.9% APR and having a hard time..

any reccomendations on opening a 0% APR credit card and transferring the balance. Good/Bad idea? Does any credit card suffice?

thank you kristen!!!

@Crocky I was in about the same exact situation a couple years ago and am happy to say the hard work pays off my car is paid off and my credit cards will be in a month or so. Don't let the road blocks get you off track when something pops up it feels so good to be free

After paying my moms rent one month that really put me in a financial bind that catapulted my minor $1,00 in debt to over $6,000....I have had a hard time getting back in the groove of things I am so messed up and lack the consistency. I have the know how and I have paid off my debts in the past but with no more scholarship money to bail me out I am in for a rude awaking.

This year we are working to pay down $8,000 of our $30,000 debt. We are putting all extra funds towards the debt and are using the snowball method. We are focused on paying off the smallest bill to decrease the amount of cards we have; then we will apply that payment towards the next smallest account. The tax refund will apply towards a 0% interest card that needs to be paid by 4/1/12. Barring any more appendix emergencies we should pay all credit card debt off in 36 months.

It definitely is amazing how much money goes to interest per month. I cannot wait until the cards are paid off. Then we can have more savings, home remodelling, and vacations!

I know no one has posted here in awhile, but I'm in the process of paying off some debt right now and reading about people who have done it is encouraging!

I was always relatively responsible with my credit cards. I never charged more than I could pay off in a two-month span. Then, due to a change in jobs, I suddenly had to get a car. Since I didn't have an emergency fund, or money saved up for a down payment, I ended up leasing a car. The $0 down advertised was sort-of-false. I ended up having to pay some kind of $500 fee, plus the first month's lease payment of $209, plus first insurance payment of close to $130 to drive the car off of the lot. That, combined with being in a terrible relationship with a partner that basically treated me as his sugar momma, resulted in a credit card balance that has hovered around the $5,000 mark without any end in sight. The additional $340 a month that I was paying for my car, plus $160/month for gas was a huge hit to the discretionary income I had previously had, and I never adjusted my spending habits to reflect that.

Now, close to two years later, I found LearnVest and signed up, and really started to take control of where I am financially. Currently, I owe close to $7,200 in credit card debt. This was all transferred to a 0% APR card that I secured through Capital One. I've got 11 months left to pay the balance off interest-free, and I'm working actively and consciously every single day to watch what I spend. I still am getting used to having a more restricted budget, and I still struggle with when its okay to treat myself versus when I should hold off and contribute money to savings or to the credit card debt. I don't think I've found the idea balance of money to save/pay off debt to discretionary money yet, but I think I'm getting closer. All the credit cards are locked up, except for the Capital One card, which I have not in my wallet but set aside in case of emergencies.

Recently, my boyfriend and I adopted a puppy though, which has definitely thrown a wrench in payoff plans, and driven the debt up to that $7,200 level it's at now. Also, my car, post-inspection, needs new tires and brake pads at an estimated cost (from the dealership) of close to $1,000. I've got some money in an emergency fund, but it's not enough to cover these expenses all the time. It's frustrating - because I feel like when I finally get on top of things, I get hit with another expense. I know I can do this though! I'm so tired of having the weight of credit card debt endlessly on my shoulders!

I have 6900 in personal cards and 9000 in a business card. I've decided to live on 600/mo and get out of the personal asap. I feel cheated by the 9000 because it was a parent that had me get it with the promise of paying it back that never came.

I don't have to pay rent so I've decided to pay the personal debt and stock up on savings. My working situation is contracted yearly so I don't know if I want to focus on getting out of the business debt because I want to try a new job next year along with grad school abroad (tuition's ok). I guess I should pay the debt as much as I can though because, with it sitting there, I can't trust myself repeating that I want to forgive (but not forget) that parent. When it's gone, I'm sure I'll be able to wholly forgive.