MY CARD IS “MAXED OUT” – WHAT DO I DO ?
Q. Between last Christmas’s presents and a holiday taken in April, I have found my credit card is “maxed out” – they won’t raise the limit either – and I am finding it hard to pay it back. I have only been paying the minimum payment each month. I am finding it difficult to motivate myself to saving up to pay it off and wonder do you have any ideas for me to reduce the debt ? It is only 166 days to Christmas and dreading the merry go round already. Thanks John – Portlaoise Co Laois