How stable is your socrue of income? While it is very important to pay off debt, if you aren't certain you will have a job while doing that, you will need savings as well. Also, keep in mind that student loans can be a tax deduction so you may not want to pay them off right away.I'd recommend:Pay off credit card bills as much as you canPay off minimum + 10% on student loans (so pay off interest + some principle)Put 2% of paycheck into savingsBudget rest of the money and live carefullyAlso, do NOT use the credit cards for anything you can't pay off but DO continue to use them if you can pay it off (for example, if you buy groceries or gas, use it and then pay it off so you can keep the credit built up and you know you'll have money in the budget to pay that) or if you feel you cannot do that safely, freeze the cards (put them in a plastic bag, put that in a container of water and put it in the freezer) and you won't be tempted to use them while paying them off.Once again, it all comes down to a budget. Your budget should be able to cover bills as well as a small amount in savings.hope that helps, good luck to you
How stable is your socrue of income? While it is very important to pay off debt, if you aren't certain you will have a job while doing that, you will need savings as well. Also, keep in mind that student loans can be a tax deduction so you may not want to pay them off right away.I'd recommend:Pay off credit card bills as much as you canPay off minimum + 10% on student loans (so pay off interest + some principle)Put 2% of paycheck into savingsBudget rest of the money and live carefullyAlso, do NOT use the credit cards for anything you can't pay off but DO continue to use them if you can pay it off (for example, if you buy groceries or gas, use it and then pay it off so you can keep the credit built up and you know you'll have money in the budget to pay that) or if you feel you cannot do that safely, freeze the cards (put them in a plastic bag, put that in a container of water and put it in the freezer) and you won't be tempted to use them while paying them off.Once again, it all comes down to a budget. Your budget should be able to cover bills as well as a small amount in savings.hope that helps, good luck to you
Caller: MARK
Company: hello i dont know how old this debt is but if it is older than 7 years on Anyt
Number: 858-368-4699