SERIOUS money question: NEED HELP!!!

[TheMalcolmConnection]

Originally Posted by saden1

Seems like a better deal but don't settle for 6%. Do some research and find a card that will allow you to have 0% on balance transfers for 12 to 24 months.

Tips from saden1:
1. All you need in life is one credit card.
2. If it's under 2K and you can't buy it outright save up to buy it.
3. Always make the annual call to your credit card company to get your limit increased and your rate reduced.
4. If you can't pay for it within a year you can't afford it (big ticket items like a car or a house excluded).
5. Tax refunds should be used to pay your debt first.
6. Striving to be debt free is not Un-American.

I've tried to live by these rules for the last 5 years and believe me, it works wonders.

Those two in particular are great advice. When I placed my call today, they were like, "Sure we can reduce your rate. I was like WHAT?! How?" So they just did it. I'll know that from now on.

I REALLY hate debt and normally I'm on top of it with paying stuff off, but this wedding has caused our typically frugal spending plan to go a little nuts.

Great advice though.