Credit cards

I think the average interest rate is about 18%, but I have heard of them being as high as 30%

Credit cards have helped us out more than once, but now i am trying to get away from using them all together if I can. One thing I should have mentioned is that about $5,000 of my total is on a Lowe's Project Card. I got it to build a fence around my back yard for my dogs to have a place to run and play without having to worry about them getting hit by a car or another dog attacking them or something. I also have a utility trailer financed on that card, because I needed one, and I had the money left on that card once I was done building the fence to get one that has served me well since I got it. I don't use it as much as I thought I would, but I use it enough to justify keeping it. This project card is closed. They are only good for 6 months. After that, you can't use it any more. I still have to pay off the balance, just like I regular credit card, but I like that fact that I wouldn't be able to keep using the card after a certain amount of time, so I elected to do that instead of getting a regular card. I have some balances on some other cards, but most of them are closed as well. I just have to pay them off now. I only have one card that I am going to keep open. I am closing the rest so I can't use them any more. The main thing is to close them and quit using them if at all possible. This is the only way you will ever get the balances paid. Otherwise, you will just keep using them...that is how most people are anyways..

If you don't have any cards, I recommend you keep it that way. That will be just one more bill to pay, and the temptation to use it will be too hard to resist...