Overextended

I have been thinking about calling BOA and just telling them that I can only pay so much of my balance, but I don't want to leave a bad mark on my credit score. I am not sure what to do though because I am paying so much and yet it's only the minimum amount since there is so much debt to pay. I really have no idea what to do.

I may be able to ask them to lower my interest rate and thus hopefully my balance will go down so that I can at least pay off my other credit card so that I can start to pay the BOA cards down. I don't know what they can do, but I feel like this is definitely getting out of hand and I don't know what the best thing to do is.

Suggestions?

Money Dieter

$1451

That's the amount that goes toward debt each month. I can't believe that it's that much! That is why I can never seem to save money. It is just so amazing when you have the numbers in front of you. I am definitely frustrated since it's hard when something comes up and we have to somewhow squeeze it in somewhere.

The $1451 includes student loans and credit cards. It's going to be a long battle.

We are moving to a smaller place so we will save money so I can very excited about that.

One day at a time...

Money Dieter