25 years old and $18,000 in credit card debt?
I know, Im beyond dumb. Getting myself into this much debt was a HUGE mistake & even worse I have nothing to show for it. But what do you think I should do. I make decent money, have $ 0 in savings & pretty much live paycheck to paycheck because of all of my monhtly payments. I need to buy a house in the next 2 years or so & want to get rid of a lot of this debt. All of my bills are paid on time, but between rent, car payments, utilities, phone etc. I can only make a little bit more than the minimum payments. Do you recommend a consolidation or debt management agency or keep doing what Im doing. I transfer balances to 0% apr as much as possible, but I still have a few with interest and I still $ 18,000 IN DEBT. I hate this dark cloud hanging over my head! I need help!!!