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Even with a relatively low-interest credit card, you\u2019re literally throwing money away every month if you don\u2019t pay off the entire balance. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(67,"p"),o.\u0275\u0275text(68," C
1onsider: If you have a balance of $5,000 on a credit card at 14% interest and make only the minimum payment due each month, it would take you 22 years and $5,887 in interest to pay it off. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(69,"p"),o.\u0275\u0275text(70," If you\u2019ve gotten yourself into significant credit card debt, the situation may feel hopeless, but it\u2019s not. Billshark offers eight simple ways to get yourself out. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(71,"h2",24),o.\u0275\u0275elementStart(72,"span",25),o.\u0275\u0275elementStart(73,"span",26),o.\u0275\u0275text(74,"1"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(75," Take Stock of Your Bills"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(76,"p"),o.\u0275\u0275text(77," Ignoring the problem won\u2019t make it go away. If you sit down and look at your credit card situation, you may find it\u2019s not as dire as you think it is. Look at which cards you have, how much you owe on each, how much the interest rate is, and what the minimum monthly payment is. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(78,"h2",27),o.\u0275\u0275elementStart(79,"span",25),o.\u0275\u0275elementStart(80,"span",26),o.\u0275\u0275text(81,"2"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(82," Prioritize Your Money"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(83,"p"),o.\u0275\u0275text(84," Next, tally your monthly income, putting the most important bills at the top (rent/mortgage, utilities, gas/transportation, food and other necessities), then see what\u2019s left to pay on your credit cards. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(85,"h2",28),o.\u0275\u0275elementStart(86,"span",25),o.\u0275\u0275elementStart(87,"span",26),o.\u0275\u0275text(88,"3"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(89," Negotiate Lower Rates"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(90,"p"),o.\u0275\u0275text(91," If you have good credit, call each of your credit card companies and ask for a lower rate. You may be surprised to find how easy it is to get them to agree to this. They\u2019re making a bundle off of you in interest rates, and they won\u2019t want to let that go, so they\u2019re often willing to lower your rate to retain you as a customer. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(92,"h2",29),o.\u0275\u0275elementStart(93,"span",25),o.\u0275\u0275elementStart(94,"span",26),o.\u0275\u0275text(95,"4"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(96," Balance Transfers"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(97,"p"),o.\u0275\u0275text(98," If you have credit cards, you constantly receive offers from each of them to transfer your other card balances at a low\u2014sometimes 0%\u2013 interest rate for a fixed period of time. Sometimes this period can be as long as 21 months. This is an excellent way to use their money without interest for that period, and use the savings toward paying off this card. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(99,"p"),o.\u0275\u0275text(100," A word of caution: Banks never give away something for nothing. First, they\u2019re betting you won\u2019t pay off this new balance before the higher interest rate kicks in. Second, there\u2019s always a \u201cbalance transfer fee,\u201d typically a percentage of the balances being transferred. Calculate whether this fee will actually cost more than what you\u2019d save in interest on the other cards. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(101,"h2",30),o.\u0275\u0275elementStart(102,"span",25),o.\u0275\u0275elementStart(103,"span",26),o.\u0275\u0275text(104,"5"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(105," Use the Snowball Method"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(106,"p"),o.\u0275\u0275text(107," Begin with your highest-interest credit card and put every spare cent into paying that one off. When you\u2019ve done that, take the payment from that card and add it to the payment you\u2019re already paying on your next highe
1st-interest card, and so on. In addition, apply any windfalls (tax returns, bonuses, savings Billshark finds for you, etc.) to whichever card you\u2019re working on paying off. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(108,"h2",31),o.\u0275\u0275elementStart(109,"span",25),o.\u0275\u0275elementStart(110,"span",26),o.\u0275\u0275text(111,"6"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(112," Pay Twice a Month"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(113,"p"),o.\u0275\u0275text(114," This trick has been used for years by mortgage holders to pay off their mortgage sooner. If you\u2019re paid twice or more a month, make two payments on your credit card balance each month. Doing this reduces the average daily balance on your credit card, resulting in lower interest charges on the full balance. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(115,"h2",32),o.\u0275\u0275elementStart(116,"span",25),o.\u0275\u0275elementStart(117,"span",26),o.\u0275\u0275text(118,"7"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(119," Consolidate Debts"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(120,"p"),o.\u0275\u0275text(121," As a last resort, you may be able to obtain a consolidation loan from your bank or a private lender with a lower interest rate and payment than you\u2019re making on all your credit cards. If you really can\u2019t swing the payments on all your cards, this may make sense. But if you go this route, it\u2019s critical that you stay off your credit cards. A consolidation loan is not license to run up more credit card debt. Put them away, but don\u2019t cancel them, because part of your credit score is calculated on how much credit you are using vs. how much you have available. The less you\u2019re using, the higher your score. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(122,"h2",33),o.\u0275\u0275elementStart(123,"span",25),o.\u0275\u0275elementStart(124,"span",26),o.\u0275\u0275text(125,"8"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(126," Ask About Debt Forgiveness"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(127,"p"),o.\u0275\u0275text(128," If you\u2019re seriously in debt and cannot afford to pay it off, talk to your creditors about debt forgiveness. They will often settle for a lesser amount than you owe, or offer you a repayment plan that you can afford. This will impact your credit score, and you may have to pay taxes on the amount forgiven, but it\u2019s better than filing for bankruptcy. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(129,"p"),o.\u0275\u0275text(130," And as always, let our sharks help you find \u201chidden money\u201d on your bills that you can put toward lowering your credit card balances. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(131,"div",34),o.\u0275\u0275elementStart(132,"span"),o.\u0275\u0275text(133,"Share:"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(134,"a",35),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(135,"svg",36),o.\u0275\u0275element(136,"path",37),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(137,"a",38),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(138,"svg",36),o.\u0275\u0275element(139,"path",39),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(140,"a",40),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(141,"svg",36),o.\u0275\u0275element(142,"path",41),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(143,"div",42),o.\u0275\u0275elementStart(144,"span",7),o.\u0275\u0275element(145,"img",8),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(146,"div",43),o.\u0275\u0275elementStart(147,"strong"),o.\u0275\u0275text(148,"Billshark"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(149," \xb7 Bill Negotiation Experts"),o.\u0275\u0275element(150,"br"),o.\u0275\u0275elementStart(151,"span",44),o.\u0275\u0275text(152,"Helping consumers and small businesses stop overpaying on re
1curring bills."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(153,"section",45),o.\u0275\u0275elementStart(154,"div",2),o.\u0275\u0275elementStart(155,"div",46),o.\u0275\u0275elementStart(156,"h2",47),o.\u0275\u0275text(157,"Frequently Asked Questions"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(158,"div",48),o.\u0275\u0275elementStart(159,"details",49),o.\u0275\u0275elementStart(160,"summary"),o.\u0275\u0275elementStart(161,"h3"),o.\u0275\u0275text(162,"How long does it take to pay off $5,000 in credit card debt with minimum payments?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(163,"p"),o.\u0275\u0275text(164,"If you carry a $5,000 balance on a credit card at 14% interest and pay only the minimum due each month, it would take 22 years and $5,887 in interest to pay it off. That is why paying more than the minimum, and tackling the balance with a clear plan, matters so much for getting out of credit card debt."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(165,"details"),o.\u0275\u0275elementStart(166,"summary"),o.\u0275\u0275elementStart(167,"h3"),o.\u0275\u0275text(168,"Can I get my credit card company to lower my interest rate?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(169,"p"),o.\u0275\u0275text(170,"Often, yes. If you have good credit, call each of your credit card companies and ask for a lower rate. Card companies make a bundle off your interest and do not want to lose you, so they are frequently willing to lower your rate to keep you as a customer. It can be surprisingly easy to get them to agree."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(171,"details"),o.\u0275\u0275elementStart(172,"summary"),o.\u0275\u0275elementStart(173,"h3"),o.\u0275\u0275text(174,"How does the snowball method for paying off debt work?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(175,"p"),o.\u0275\u0275text(176,"Begin with your highest-interest credit card and put every spare cent toward paying it off. Once it is paid, take that card\u2019s payment and add it to what you are already paying on your next highest-interest card, and so on. Apply any windfalls, such as tax returns, bonuses, or savings Billshark finds for you, to whichever card you are working on."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(177,"details"),o.\u0275\u0275elementStart(178,"summary"),o.\u0275\u0275elementStart(179,"h3"),o.\u0275\u0275text(180,"Are balance transfer offers worth it?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(181,"p"),o.\u0275\u0275text(182,"A 0% balance transfer can be an excellent way to use the bank\u2019s money interest-free for a fixed period, sometimes as long as 21 months, and put the savings toward your balance. But banks bet you will not pay it off before the higher rate kicks in, and there is usually a balance transfer fee. Calculate whether that fee costs more than the interest you would save."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(183,"details"),o.\u0275\u0275elementStart(184,"summary"),o.\u0275\u0275elementStart(185,"h3"),o.\u0275\u0275text(186,"What happens if I ask creditors for debt forgiveness?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(187,"p"),o.\u0275\u0275text(188,"If you are seriously in debt and cannot afford to pay it off, talk to your creditors about debt forgiveness. They will often settle for less than you owe or offer a repayment plan you can afford. This will impact your credit score, and you may owe taxes on the forgiven amount, but it is better than filing for bankruptcy."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(189,"div",2),o.\u0275\u0275elementStart(190,"section",50),o.\u
10275\u0275elementStart(191,"h2",51),o.\u0275\u0275text(192,"Related Blog Posts"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(193,"div",52),o.\u0275\u0275elementStart(194,"a",53),o.\u0275\u0275elementStart(195,"div",54),o.\u0275\u0275elementStart(196,"span",55),o.\u0275\u0275text(197,"Home Budgeting & Finance"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(198,"img",56),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(199,"div",57),o.\u0275\u0275elementStart(200,"h3"),o.\u0275\u0275text(201,"5 Ways to Improve Your Finances and Reach Your Money Goals"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(202,"span",58),o.\u0275\u0275text(203,"Michel Mora \xb7 Jan 3, 2018 \xb7 1 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(204,"span",59),o.\u0275\u0275text(205,"Read article "),o.\u0275\u0275elementStart(206,"span",60),o.\u0275\u0275text(207,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(208,"a",53),o.\u0275\u0275elementStart(209,"div",54),o.\u0275\u0275elementStart(210,"span",55),o.\u0275\u0275text(211,"Debt"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(212,"img",61),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(213,"div",57),o.\u0275\u0275elementStart(214,"h3"),o.\u0275\u0275text(215,"9 Proven Ways to Cut Credit Card Debt Fast"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(216,"span",58),o.\u0275\u0275text(217,"Brian Keaney \xb7 Aug 25, 2016 \xb7 3 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(218,"span",59),o.\u0275\u0275text(219,"Read article "),o.\u0275\u0275elementStart(220,"span",60),o.\u0275\u0275text(221,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(222,"a",53),o.\u0275\u0275elementStart(223,"div",54),o.\u0275\u0275elementStart(224,"span",55),o.\u0275\u0275text(225,"Savings Tips"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(226,"img",62),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(227,"div",57),o.\u0275\u0275elementStart(228,"h3"),o.\u0275\u0275text(229,"Avoid Debt Settlement Firms: Red Flags & Smart Tips"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(230,"span",58),o.\u0275\u0275text(231,"Michel Mora \xb7 Feb 5, 2018 \xb7 4 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(232,"span",59),o.\u0275\u0275text(233,"Read article "),o.\u0275\u0275elementStart(234,"span",60),o.\u0275\u0275text(235,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(236,"a",53),o.\u0275\u0275elementStart(237,"div",54),o.\u0275\u0275elementStart(238,"span",55),o.\u0275\u0275text(239,"Financial Advice"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(240,"img",63),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(241,"div",57),o.\u0275\u0275elementStart(242,"h3"),o.\u0275\u0275text(243,"Investing in Knowledge: Your Smartest Money Move"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(244,"span",58),o.\u0275\u0275text(245,"Brian Keaney \xb7 Jan 31, 2018 \xb7 7 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(246,"span",59),o.\u0275\u0275text(247,"Read article "),o.\u0275\u0275elementStart(248,"span",60),o.\u0275\u0275text(249,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(250,"a",53),o.\u0275\u0275elementStart(251,"div",54),o.\u0275\u0275elementStart(252,"span",55),o.\u0275\u0275text(253,"Home Budgeting & Finance"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(254,"img",64),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(255,"div",57),o.\u0275\u0275elementStart(256,"h3"),o.\u0275\u0275text(257,"What's the Bitcoin Frenzy All About? 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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.