Rock this Bitch (jesus__suburbia) wrote in thequestionclub,
Rock this Bitch

 Because of job loss/poor money management/no self control, I managed to get around $950 in credit card debt, and I currently have no income. Instead of paying the $70 minimum payments between the two each month, I just took out a subsidized student loan to pay it off, and then I will pay back the student loan, so I don't keep gathering interest on the credit cards.

Is this a stupid idea, or a better idea to get out of a stupid situation?

DK/DC: How do you budget your money? Do you use a certain program, excel template, something like that? I'm in need of some money management skills asap. 

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