Dave ramsey and consolidating debt

If you’re saying you’re not able to make your credit card payments but you haven’t yet gone hardcore frugal, then I have no mercy for you.Determine the minimum level of spending you need to give your family food and shelter. With this newfound money, you should find it easier to pay down the balances on your credit cards.Here’s a further breakdown of the various (non-DIY) options you have when it comes to getting help with your debt.Like the idea of an app to help you get rid of debt?

But there actually may be something worse in there.Be aware of transfer fees, which might negate any interest savings you experience.Also, be careful not to use this new card as an opportunity to spend more.If you don’t have junk to sell and you’re serious about reducing your debts, then consider taking on a second job or find a way to make extra money to really help with your finances.Use the extra funds towards reducing your credit card debt much quicker. If you get a bonus at work or find some unexpected money somewhere, also use those funds towards your debt.