I would not suggest trying to go through periods of putting all your extra money towards the crediti card. I think discretionary income is a necessity.I am also big time in cc debt. I took out a $25,000 home equity loan and have about $25,000 more that I could not include.With only tiny discretionary income, I can pay off $1,000 extra per month plus the stated due amounts. I have paid off a few credit cards and am looking forward to see them all drop.In small consolation to the $1,000.00 I "don't have to spend," I try to think about the $20.00 monthly growth in discretionary income by the lowering minimum dues. Next year my discretionary income will be increased by over $240.00 per month. A little better for enjoying life under less pressure.When the credit cards are done, on to the home equity loan. Then imagine, $1000.00 a month discretionary income! The way it should have been all along.The way I think about it now is I bought maybe 4 or 5 tv's many years ago but I only received one. If I waited until I actually had the money I would have gotten 1 for 1.
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