I don't make much, I make about $27k per year. I've had to put car repairs and such on my credit cards and have been slowly paying off what I can (I try to pay more than the minimum payment when possible).
I got an offer in the mail today about a personal loan to pay down my credit card debt (combined it's about $4k total).
Is it a good idea or should I just keep paying as much as possible every month? I won't be using them unless it's an emergency; I've literally frozen my credit cards (I put them in a container with water and they sitting in my freezer) to only use them when I have no other choice.
Submitted October 08, 2017 at 09:44AM by jakim121 http://ift.tt/2y3VNlH
