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I have heard that if you pay twice the minimum payment on your credit card each month, it takes about three years (or so) to pay off instead of thirty (or however long if you pay the minimum). I have no finacial savvy whatsoever, but I stick to this rule. Currently I'm paying $100 a month on a credit card where the min payment is $20. I was pretty stupid in my younger years with my credit card, and now I buy NOTHING on it, but only pay it off. The only card I buy things on is my Victorias' Secret card, and that always carries a low balance and gets paid down every month.
Credit cards are not inheriently evil. The mindset of the person holding the credit card is what holds the potential to lead to finacial demise. So, BE FREAKIN SMART ABOUT YOUR STUPID CREDIT CARDS!!!! Oh, and I suggest getting all that debt transferred to a card that has the lowest possible interest rate- I switched from Bank of America to Wachovia and it saved me six points of interest. I hate BoA!!!
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Sage knows our mythic history, King Arthur's and Sir Caradoc's
She answers hard acrostics, has a pretty taste for paradox
She quotes in elegiacs all the crimes of Heliogabalus
In conics she can floor peculiarities parabolous -C'hi
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