Help paying off 6,000 credit card debt

I am trying to put together a stretegy to pay off my credit card. i have heard people transfer the balance to 0 intereset rate cards etc,..where do i find those..what should my strategy be?

I heard that some banks offer zero interest for 6 months if you do a fund transfer. That may give you a breather of 6 months but I believe they also take a percentage of the transfer made.

Hi Realgoldn, only transfer the balance is you can pay off the entire $6,000 before the promotional period ends. If not, don't bother transferring the balance because once the promotion period ends the interest rate will increase dramatically.

1. To pay off your debt, first document all your debts - record the total owed on each account, the minimum monthly payment, interest rate and due date.

2. Then prioritize your debts starting with the smallest debt first.

3. Setup a payment date for each debt.

4. Pay the smallest debt off first.

5. Then take the minimum payment from debt 1 and add it to the minimum payment for debt 2 to pay off debts faster if you are unable to send payments to each creditor owed.

If you are unable to make the minimum monthly payments write each creditor and request a financial hardship for a period of 1 year. They will reduce the interest rate and/or minimum monthly payment.

Thanks so much. I have a rooms to go account that is not the smallest debt but needs to be paid off because it only has a limitedtime for it to be interest free then the interest rate will be a crazy amount.

Hi,
I was actually in a pretty bad situation a couple months back. My personal credit debt was over $50,000 and I had already lost my car. My girlfriend dumped me as well because of the car and I was really depressed and worried. I asked my dad if he could lend me at least half the money but he straight out refused. I then recently read this article by a person who claimed that he got out of his huge debt hole after reading a particular book on income streams. I bought that book and it really helped me a lot. There were some superb ideas on how to make money through stock options and I got right into it. I have already managed to pay off nearly half my debt and its only a matter of time before I pay it all off. You can read more about this article at

http://fromdebttowealth.wordpress.com/

yer blog says you were in debt over $80k. Get your sales pitch down pat or nobody is going to believe you...

Oh, and please don't solicit on this forum.

Well the best is to start paying it off, 50% every month. Like pay $1500 for the first month. then another 50 % for the next and so on.