um well its $12,400
We go out to eat Fri, Sat, and Sun and Dh buys lunch and misc with it. I also shop. So I know we need to stop those things..i was just trying to think of more things to do because I hate owing anyone money. Once we have everything paid off we'll put those cards somewhere and pay cash only. We don't have any savings or health insurance! We always paid with cash but then in December I was offered a few credit cards. Since we had 6 mos interest free we thought we could pay them off easily but we kept using it up till it got really high.
Mind if I ask what the interest rates are?
Step one needs to be STOP USING THEM. Seriously. Keep one for emergency situations -- I advise freezing it in a block of ice in your freezer. But stop using them. Start paying off the principal. They will drive you into bankruptcy. I'm really not kidding.
GET HEALTH INSURANCE NOW. Seriously!!! Oh, my God. Really, all it would take to drive you into major bankruptcy FAST is an accident that requires hospitalization. Then you will eat every penny of that bill. Medical care costs are a leading factor behind bankruptcy.
Really, MONDAY MORNING, right after you cancel the cable, Tivo, satellite, and Blockbuster Online, and cut up the credit cards you don't freeze, please start Googling insurance companies. Folks, isn't there a site where you can put in your info and different insurance companies can put in their bids for how much they'll cover you for and how much it'll cost? Does anyone know about this???
I'm sorry to say this, but you are courting disaster. Please, for God's sakes, as soon as it's Monday, get some basic coverage for your family. I assume you're young and in reasonably good health -- it shouldn't cost that much and it is worth every penny. Short-term disability coverage is a good idea too if your DH is in a risky profession.