After we graduated from college we had quite a bit of credit card debt. Then we entered into the workforce and accumlated even more! I think the whole idea of thinking "we're making money so we should have nice things" got the best of us!
The more we made - the more we spent!
It really adds up with the eat outs, nice clothes, fixing up an older house, and of course infertility! At one point we had accumulated over $30,000 debt and that wasn't including our cars and house.
We considered credit card debt consolidation and I even talked to a few companies but all of them were charging way too much as a fee and even if we accepted their services it'd have a negative impact on our future credit.
One of our friends went with a credit card consolidation service and it worked out great for her. She paid them $300 per month and they negotiated special rates with her credit cards. The good thing for her was that she was able to get thousands knocked off of her debt amount.
SecureLoanConsolidation.com offers some great information on consolidating debt but also provides education and help on managing credit card debt.
This post sponsored by: http://www.secureloanconsolidation.com/
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