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Just got hit with 10.6k in debt unexpectedly
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Rumpltzer
Diamond Member
What happened in Vegas didn't stay in Vegas. Now the OPs got a stripper after him for $10.6K!
The OP's options are thinking too much inside the box. Option #5 should include something like a shovel, a long stretch of desert highway, and a six pack.
We're not here to judge. Who hasn't had to take some time out to hide the body of a dead Vegas stripper?
thomsbrain
Lifer
Pay as little as possible for as long as possible. Even with the super-low savings rates we have in this rough economy, there are plenty of high-yield savings accounts available that pay more than that. As the economy recovers, those rates will only go up, making it even smarter not to pay off your debt right away. I would put enough money to pay off your loan in a high-yield savings account, then have automatic withdrawals to your checking in the amount of your minimum payment. Consider it off-limits, but if you need to dig into a chunk in an emergency, it will still be liquid for you, and at the end of the term of your loan, you'll have extra money left over in the account.
DrPizza
Administrator Elite Member Goat Whisperer
fwiw, if you haven't figured it out yet, transferring it to a 0% interest card would be about the stupidest move possible. Go on vacation, forget to pay before you leave, get back and there's a holiday weekend... 1 day late on a payment and suddenly you're at the mercy of the credit card company who will be more than happy to raise the interest rate to 25% or more. i.e. shit happens and the credit card company particularly enjoys when it does.
SoulAssassin
Diamond Member
Good lucking finding a 0% for 15mo card that doesn't charge a 3% transaction fee w no max.
wwswimming
Banned
why divide your attention ? probably even better than not having the debt payment is,
not having to think about that particular bill.
3% sounds like too good a deal. i would watch the bills closely for un-planned service
fees.
i just closed a Visa because they hit me with a $30 service fee, even though i paid
the bill on time. this has gone on every month since Christmas. i call them up,
ask them to remove the service fee, they remove it. i don't even wait to get the
bill, i pay it when i use the card. they still hit me with the service fee. i cut that
card in half.
they'll probably hit me with another service fee.
not having to think about that particular bill.
3% sounds like too good a deal. i would watch the bills closely for un-planned service
fees.
i just closed a Visa because they hit me with a $30 service fee, even though i paid
the bill on time. this has gone on every month since Christmas. i call them up,
ask them to remove the service fee, they remove it. i don't even wait to get the
bill, i pay it when i use the card. they still hit me with the service fee. i cut that
card in half.
they'll probably hit me with another service fee.
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