Re: More financial advice sought
Another usefull tactic when you have ballences on several cards is to send the most money to the highest interest rate card. When it is paid off, combine that amount with whatever you were sending to the 2nd highest interest rate card. When that's paid off, combine the amounts of the 1st and 2nd to the 3rd, and so on.
It takes a while, but once you get a couple of cards paid off the amount you are sending to retire debt snowballs. Your budget doesn't really "miss" the money as you were sending it out anyway. And then when your last card is paid off...whamo! You have a huge raise as all that money that was going off to Visa, Mastercard, Discover and Diners Club is suddenly staying in your bank-account.
You can do the same with car payments, mortgage payments, etc.
a super volcano of ridonkulous suckitude.
I simply don't have access to a "cares about RBI" place in my psyche. There is a "mildly curious about OBI%" alcove just before the acid filled lake guarded by robot snipers with lasers which leads to the "cares about RBI" antechamber though. - Nate