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have you ever thought about transferring some balances from the cc to a 0% interest credit card?? you can find those 0% for 12 months up to a year and a half and if you pay the balance off before that time is up, then there is no interest charged to your balance (hope that makes sense). that's what i've done. transferred some of my high percentage rate cc to a zero interest and that really helps me. i would cut up the cc that have the high interest. my only cc that has interest on it is only 6.9%. i have a bigger balance on it than i would like ($6800), but that is the only cc i have with an interest rate on it. my other ones (three of them) are no interest. i don't like the situation i have myself in, but we are working on getting them paid off. congrats on your house!!! i, too, would also take that 5 grand and put it on a cc, not the house.
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have you ever thought about sm - i feel for you
