25 years old and $ 18,000 in credit card debt?
I know, I am beyond stupid. How to myself in this much debt was a huge mistake and even worse I have nothing to show for it. But what do you think I do. I can make decent money, have $ 0 in savings and paycheck more or less live in check, because all my payments monhtly. I have to buy a home in the next 2 years or so and want to get rid of a lot of this debt. All my bills are paid on time, but between rent, car payments, utilities, telephone etc. can only do a little more than the minimum payments. Am recommends a management agency or debt consolidation or keep doing what I'm doing. I can transfer balances to 0% APR far as possible, but still I have a few with interest and still owe $ 18,000. I hate this dark cloud hanging over my head! I need help!
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