Update on the debt villains

Posted by Ginkgo100 | 2:59 PM

Of our debt villains, Moriarty and Saruman are with the same bank. I called to try to see if I could combine them and lower our interest rate or our total monthly payment (so we can focus on another debt, probably Vader, with intensity). No dice.

Opening a credit card is something I am philosophically opposed to, even one with 0% interest or a bonus for balance transfers. However, in this situation I am tempted. I would not be using it to make any purchases, and I would actually be reducing our credit card count to one (though the total amount owed would stay the same). What would you do in this situation?

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