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Is your student loan structured so you can pay less on that, and more on your credit card? If you don't use your card anymore, pay off the entire balance as quickly as you can, and pay little or nothing on the student loan until the card is paid off. If that $100 is your minimum monthly payment, it will never be paid off. Assuming your card balance is no more than around $5,000, you can pay it down to zero in less than a year, and then resume your student loan payments, and never have a credit card payment again.
$90 is not that bad for cell phone if you feel a real need for the features it's giving you. Another car insurance company might quote you better rate now, but if their introductory offer is that low, they will probably just uprate you next year. The best you can do on phone and insurance is probably only going to save you about $50 a month, so it might not be worth the hassle and cutting your benefits.
Last edited by CowanStern; 05-26-2012 at 12:20 AM..
100 isnt the minimum, thats how much i pay. one of the cards has a 0% int until december and it will be paid in full. my other card has a balance of 2600 and I pay 50 a month for both cards. it has0% until september. I'm going to trans the balance to another account so that I can pay it w/o interest. it will be paid in full before my loans go back up.
Max savings on the phone is $50, so don't worry about it. It is the car & gas that is eating you alive. (besides the student loans of course) Can you give a co-worker a ride and share expenses? Look for a call center job closer to home?
Try to get a part time job or start a small part time business...even if it is mowing lawns...you would be surprised how
much money can come from part time jobs...you are working and can't spend is an added bonus too
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