*heavy sigh* here goes nothing

**Jennifer13** · December 21st, 2010, 08:29 AM

Maz, try ringing up the credit card companies you're with and negotiating your interest rate. Tell them you're going to move the cards across to a no interest for six months card unless they'd be willing to offer you something to keep you there.

Years ago I had a decent sized credit card debt and we managed to transfer most of it and negotiate a lower rate with the current provider and it was all paid off within the new card's no interest period.

Also, go through each of the bills and work out which ones have the highest penalty rates and which ones will allow you to set up a payment plan penalty free. Pay the ones that penalise you the most first and allocate smaller amounts for those that will negotiate. For eg, I had an ATO debt and they were happy to take $50 a month (with very low interest) until I could get on top of everything else and pay that one off. I thought I was good at juggling my bills (when money was tight), but I seemed to keep getting behind and DP showed me how to do it much better. It took the struggle out of my finances, even when I wasn't able to work more because of a baby. I started to use the CC, once entirely paid off, so that I was repaying it in full every month, so no interest to them any more.

GL hun!

**maz** · December 21st, 2010, 10:45 AM

thanks so much for all the idea's guys.
Im furious right now to say the least

After getting a plan organised this weekend with J I get a nice little statement in the mail today...one card if $260 OVERDRAWN!!!!!
I rang him and told him that its the exact amount that he has been spending on SHIAT at the servo. I asked him what exactly he buys from there and it seem's only they

sell berocca that he need's to stay awake. Ive told him that when he get's home that the card is to be CUT UP!!!! No if's or but's its gone!!
SO it looks like I wont be having my much needed break over christmas....maybe 3 days but then im back into it
thanks agian everyone