Join Date: Jan 2003
Location: The realm of Kansas
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Monica - single mama to DS and DD
Originally Posted by Empress
Keep a record of spending. For every.little.thing. Its a pain in the butt, but it will give you an idea on how much you spend on food, gas, household stuff that you don't have a bill to pay for. You work a budget off of that, and see if you can go lower from there.
Originally Posted by bionicsquirrel
Can you really get a loan to pay off a credit card? Is this the way to go? I worry about the number of credit checks you get when you open any new account, doesn't this affect your overall credit rating?
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