{"id":505,"date":"2013-01-30T13:01:23","date_gmt":"2013-01-30T18:01:23","guid":{"rendered":"https:\/\/goday.ca\/blog\/?p=505"},"modified":"2021-09-30T11:15:39","modified_gmt":"2021-09-30T15:15:39","slug":"common-cents-wednesdays-pay-off-credit-card-debt-part-2","status":"publish","type":"post","link":"https:\/\/goday.ca\/blog\/common-cents-wednesdays-pay-off-credit-card-debt-part-2\/","title":{"rendered":"Pay off that Credit Card Part II"},"content":{"rendered":"<h1><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-321\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/CSW_01.png\" alt=\"GoDay_Common_Cents\" width=\"796\" height=\"153\" \/><\/h1>\n<p style=\"text-align: left;\">Last Wednesday, <a title=\"Credit Card Debt Tips Part I\" href=\"https:\/\/goday.ca\/blog\/common-cents-wednesday-credit-card-debt\/\">we covered four basic tips on credit card debt management<\/a>;<\/p>\n<ul>\n<li>Cut the so-called \u201cneeded\u201d expenses.<\/li>\n<li>Critique your necessary expenses: Trim the fat.<\/li>\n<li>Pay more than the monthly amount \u2013 if you can.<\/li>\n<li>Get a card with a lower interest rate.<\/li>\n<\/ul>\n<p>With a solid plan, some dedication and support, you can achieve your financial goals. Here are some more tips to help you get through this manageable\u00a0 (and temporary) hurdle!<\/p>\n<p style=\"text-align: center;\">\u00a0<img decoding=\"async\" loading=\"lazy\" class=\"aligncenter  wp-image-509\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/cards.jpg\" alt=\"credit card debt management\" width=\"369\" height=\"246\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/cards.jpg 615w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/cards-300x200.jpg 300w\" sizes=\"(max-width: 369px) 100vw, 369px\" \/><\/p>\n<h3>Talk to your Credit Card company (or companies)<\/h3>\n<p>We didn&#8217;t discuss the support aspect of this finance-repairing journey too much last week, but this is a step that might save you a good chunk of change.<br \/>\nYour friends and family will support you emotionally throughout the process, but there&#8217;s another group that can possibly help you lower your actual debt &#8211; your credit card company. If over-limit\/late fees are piling up, give them a call and explain your situation. Most companies are willing to lower your interest rate for a time or waive late fee balances.<\/p>\n<p>You can also negotiate your payment due date. Let&#8217;s say all your bills come due at the beginning of the month, which is perhaps why you can&#8217;t pay more than your monthly payment at the time, or if you&#8217;ve even missed a payment.<\/p>\n<p><em>Other things credit card companies may be willing to do include:<\/em><\/p>\n<p>-Accepting a partial payment in lieu of the total amount due<br \/>\n-Waive the annual fee (if there is one)<br \/>\n-Remove a mark from <a title=\"How To Order Your Credit Report For Free\" href=\"https:\/\/goday.ca\/blog\/order-credit-report-free\/\">your credit<\/a><br \/>\n-Upgrade your account status from &#8220;past due&#8221; to &#8220;current&#8221;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter  wp-image-222\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Canadian-Money.jpg\" alt=\"Goday.ca_Money_100's\" width=\"448\" height=\"299\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Canadian-Money.jpg 640w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Canadian-Money-300x200.jpg 300w\" sizes=\"(max-width: 448px) 100vw, 448px\" \/><\/p>\n<h3>Don&#8217;t depend on your credit cards for emergencies &#8211; build a rainy day fund.<\/h3>\n<p>How many times have you chipped away at your <a title=\"Pay Off Your Credit Card \u2013 Part I\" href=\"https:\/\/goday.ca\/blog\/common-cents-wednesday-credit-card-debt\/\" target=\"_blank\" rel=\"noopener noreferrer\">credit card debt<\/a>, only to be hit by some unforeseen expense and <em>whoooop<\/em>, up the balance goes again? It&#8217;s demoralizing and frustrating. If you have the control to keep the funds in your house, go ahead and do that ( a nice cookie jar will do ). But if you want to gain from your savings, <a title=\"GoDay.ca Talks: What are RRSP\u2019s and TFSA\u2019s?\" href=\"https:\/\/goday.ca\/blog\/goday-rrsps-and-tfsas\/\">open up a TSFA <\/a>or even a free savings account will do.<\/p>\n<p>You might as well benefit from your efforts by accumulating a little interest. If you&#8217;re not sure if you can put money aside, refer back to our part 1. After analyzing your luxury and necessary expenses, take a fraction of that budget and put it into a savings account and the rest onto your debt.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-508\" src=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Snowball.jpg\" alt=\"snowballs\" width=\"300\" height=\"300\" srcset=\"https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Snowball.jpg 300w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Snowball-150x150.jpg 150w, https:\/\/goday.ca\/blog\/wp-content\/uploads\/2013\/01\/Snowball-60x60.jpg 60w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3>Snowball, snowball, snowball.<\/h3>\n<p>If you have more than one credit card, but they all have approximately the same interest rate, go ahead and tackle the lowest debt first.<br \/>\nWhy? It will help your morale to remove one debt at a time from the pile.<\/p>\n<p>Here&#8217;s an example:<\/p>\n<p><em>Card #1. $1000<\/em><br \/>\n<em>Card #2. $3000<\/em><\/p>\n<p><em>Monthly budget for debt repayment: $300<\/em><\/p>\n<p><em>Pay the minimum on Card #2 until Card #1 is paid off. At this rate, say $250 remains after Card #2&#8217;s minimum is paid. It will take <strong>4 months<\/strong> until Card #1 is paid off<strong> in full.<\/strong>\u00a0That&#8217;s not so bad! You can then allot your entire monthly repayment budget towards Card #2.<\/em><\/p>\n<p>It might seem like a small thing, but trust us, attitude is everything when it comes to debt-repayment. <a title=\"GoDay.ca Finance 101\" href=\"https:\/\/goday.ca\/education\" target=\"_blank\" rel=\"noopener noreferrer\">Getting control of your finances<\/a>, whether it&#8217;s a massive overhaul or just little tweaks that can save you hundreds, is liberating and rewarding!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last Wednesday, we covered four basic tips on credit card debt management; Cut the so-called \u201cneeded\u201d expenses. Critique your necessary expenses: Trim the fat. Pay more than the monthly amount \u2013 if you can. Get a card with a lower interest rate. With a solid plan, some dedication and support, you can achieve your financial [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1130,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Common Cents Wednesdays \u2013 Pay off that Credit Card Debt Part 2<\/title>\r\n<meta name=\"description\" content=\"Paying off your credit card debt doesn&#039;t have to be a lengthy struggle.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/goday.ca\/blog\/common-cents-wednesdays-pay-off-credit-card-debt-part-2\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" 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