Money Matters
ToastieSimons
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
How to stay motivated?
We have 2 large credit card bills both at 0 % interest and its a struggle to stay motivated to pay it off. It feels like we're never going to get it paid off.
I will love you for you, not for what you have done or for what you will become
Re: How to stay motivated?
How much are you putting toward them each month, and what are the balances?
The fastest way to pay off debt is to make more, cut more, and put as much as possible toward them.
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
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Riley Elaine born 2/16/15
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Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
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How long will they stay at 0%? Usually, those deals are for a limited time and you lose the deal if you're ever late on a single payment. If you miss a payment or take too long to pay off the balance, then you have to pay back-interest (often at a pretty high rate) all the way from the time of the purchase(s) or balance transfer. If the balance is high, that could mean a HUGE extra debt in those accounts. Think of the money you're saving on interest as a motivator.
"You know you're in love when you don't want to fall asleep because reality is finally better than your dreams." - Dr. SeussI just broke down the balances in my head. Looked forward to getting the next $1000 paid off, for example.
As previous posters said, those 0% are usually limited time deals, so the deadline of that expiring and ballooning to a high rate should be good motivation as well.