I make $38000 per year, my position is “live-in” so I have no rent/mortgage nor utilities to pay, only my cellphone. I have about $15000 worth of credit card debt. I was close to being maxed out on most of them but never missed a payment (minimums) & always had money left over to shop online with after the bills were all paid. The real ROOT of my problem is a diagnosed shopping addiction, for which I am seeing a therapist for (& it’s working). With my husband’s love and support I have paid off six accounts (but not yet closed them). We are using the Snowball technique. I am comfortable with this & see results already.
Do you see any need for debt counseling or debt management? The way I see it, the only reason my husband insists on one of these is because he ABHORS paying interest, especially the high rates the stores – and/or website – charge. Also, he doesn’t believe the information in the little boxes on the monthly statements regarding prepayment amounts and lengths of time. I try to tell him that they work because I have used them in the past but he won’t believe me. He said he wants to hear it from a professional. So I have turned to you after much searching. Thanks for any help you can give via email.
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.My Shopping Addiction is Being Treated But My Husband Says I Need Credit Counseling. - Mary by Steve Rhode