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ASolow:

From your previous posts, it sounds like you recently paid down your balances using your tax refund and now have 1100 left over, which you consolidated at 1.99%, a rate that expires in October 2007. Correct?

It also sounds like your income is "iffy" with the "temporary second job" you mention ... Is your temporary job lasting until October?

If you have the means *now* to eliminate your credit card debt totally, you might do well to just pay it down from your savings. At the very least, you need to set up a payment schedule that will have your CC balance at $0 before October. Can you afford to snowball say, $150/month out of your income? Run the numbers and look at ALL your expenses. Is your car insurance coming due between now and then, do you have doctor vists coming up? ...

At most I'd take half the savings and put it on the card. I wouldn't draw down the savings below $500, and if you can avoid touching it at all, that's probably best.

~dswing
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