I don't know if anyone else posted this to you yet, but apparently Providian is raising interest rates to 29.99% for some people. If I were you I would play it safe and pay them first. KHM
Not sure about the gen ed requirements for another BA/BS degree becasue I'm working on a Masters degree in a related area of my original doctorate. I don't have to repeat any similar courses. For example, I took a graduate level statistics course at UoM - its a requirement for the masters at UNC but I don't have to take it again. I think it really depends on if you are getting the degree in a related field of study or not.
Let's all remember this one only comes asks for advice and then starts a flame war when she doesn't like the advice. Guess Jimbo will be chiming in soon ROFL. Darn the spell checker is disabled, you are on your own good grief LOL.
PSUGIRL! I am a lady and I kiss no one's @#$@!$! Normally, if I feel I am talking to someone who is at my level intellectually and who has the maturity level of a normal adult then I may condescend to respond to your gibberish. Then again most people I know do not act like you so i do not encounter your behavior too much. But since you have no intellect and have the maturity of a bratty child, I will cease further comments to your assscinine personality and wish you the best of luck in life. Cyprigirl
PSUGIRL, I don't know you very well (though one user once accused me of being you) but I want to offer some advice, and I hope you can realize this is not a personal attack in any way. I'm just offering what you came here to do. go to www.quicken.com and use their debt reduction planner. Decide what you can pay each month, and it will show you the best way to do it so you don't pay too much interest. I understand shopping addiction, because I am there too. I have spent $2,000 at Barnes and Noble and Amazon and half since July. I spent $2000 in one day at work. I have reduced my debt to $731.43 in credit cards. I understand what you're going through. It is tough to cut up those cards. Believe me, I know. I had to cut up and cancel several retail cards because my shopping addiction led me to spend $100 at Fingerhut on junk. What you can do, if you don't want to stop having these cards (you don't have an excessive number like I have and had) is pick the highest interest rate ones, and lock them away. Think before using them. My shopping addiction and need to try to buy friends led to me charging up and off the first credit card I ever got. It led me to improper checkbook management and overdrawing two banking accounts, and one judgment. I have corrected all these problems except the judgment. Now, some of my credit problems (like medical collections) were not my fault. But I know what it's like to have those mean collectors harass you, tell you you'll never get an apartment, and such. I was there, rebuilt, and don't want to go back. From what I've read, you've done a fine job of rebuilding credit. Just think about it so you don't wind up in the same river you were in some time ago. Good luck
About savings. Since July, I have saved $4,000 in cash. Since 2000, I have saved over $15,000. I have not wanted for anything in this time except for a new/used car, which I may get soon. For me, a problem was not spending my savings by transferring it to checking. I have savings accounts and CDs at three banks and two credit unions, and I can't get the cash without going out. I would suggest considering saving even $10-20 a week this way. I do have emergency credit cards as well, and I think both work well. Not a judgment, just some friendly advice from a fellow 22 year old college student
PSUgirl, Just to weigh in on this discussion. I agree with carrying ONE card for emergencies only and staying away from department stores and the malls. As far as having an emergency fund goes, I have never understood the idea that having a savings account with $2000 (just an example) in it earning 3 or 4% while carrying debts upwards of $10000 at 12-19%. Pay off your cards. Don't expend your entire monthly budget, because you do need some cash on hand, but barring any major catastrophes (which I hope and pray you don't encounter), you should be able to get out of debt sooner than you think. Good Luck! Newcomer
Newcomer, The theory behind an e-fund is it is the first step in swearing off creating more cc debt. If you have a cash stash to fall back on in an emergency, you never have to touch your credit cards in the event of normal but, unforseen expenses. Remeber, you didn't get into this mess overnight and it'll take some time to get out of debt. What happens if you pay every nickel you can spare to your cc debt and all of a sudden, there are car repair bills or a sudden trip to the emergency room and an insurance deductible to pay or whatever. All the good work you have put in goes out the window if you have to use a credit card to pay these unforeseen expenses.
