Money for furniture with a new house or placing money on a credit card bill?
483630
Pay off the credit cards first. Any left over, can go towards less swanky furniture. The amount you pay in interest on your credit cards are astronomical. Think of the amount you can save in interest alone. Call the banks and find out how much! It's enough to make one sick! A word of advice, if you don't have money, don't get it on credit!
754424
I paid my property taxes with a check (from the credit card company) at a 5.9% rate.  I didn't have $1900 for mine and the $35 fee is less than the 10% I would have been charged.\nIf you have some of the money, you can use your credit card and pay that which you do have right away to the credit card company.  IE- pay $1100 on credit card and mail $500 to the credit card company.  This will help you get the balance down and not incur as much finance charge.  \nDon't forget you have another property tax bill due again on April 10, so if you don't have the first part paid off by then, you will be really behind.  \nYou might consider having an impound done so you are sure you have the money already set aside in the future.
118797
Buy some furniture and pay it off on their 30/60/90 day no interst plan.\n Be sure to pay off the balance on the third payment.\n\nReally, you are young and have a lifetime to pay their pockets.  You won't have any problem getting a credit card. Ask me later how you can get out from under 20k debt.
807262
My personal opinion of these places is horrible. I went to one, and for a 700 dollar living room suite, they wanted over 1800 dollars for a used one with cigarette burns in it! I wouldn't do it. I would do one of two things. I would get a secured credit card, and you get that money after a year. US Bank is a good place to go for that. I would go somewhere and use a co-signer with a 12 months same as cash plan. That way, you get the credit, but you don't have to pay anything for the interest.
154255
That is true that when you buy a house they will check on your credit history, and it is true that there are other ways to buid credit, and it is true that you shouldn't pay interest if you don't need to.\nSo, it is your choice, in fact, you could finance your car, if you find another good use on the cash you have for it, like if you are thinking of some business and maybe will need the cash to finance it. Or if the momento of buy your house is close, you can use the cash for the initial pay, so you will need less money for the loan.\nBut if you wont use the cash, and that money would be just in a saving account, you should use it for the car, and get some other credits like in credit cards.\nSo, it depends on your needs, and your projects in general.
6427
Well, since you saved 800.00 that you were planning to spend, you're 800.00 richer. This is not the time to get thrifty. I would suggest at least 200-300$. If you don't feel comfortable giving them cash, you can get them a gift card. If they are into home improvement, a Lowe's or Home Depot card would be appreciated. Plus they'll remember you if you need any more free/ reduced jobs done in the future.
489723
Okay everyone makes mistakes and I myself made quite a few when I was younger..so now my credit is horrific. DO NOT GET A CREDIT CARD...you will be responsible for the balances and the interest rates are extremely high. I suggest go to a furniture store obtain a peice of furniture on credit and make the monthly payments. It takes time but believe me this is the absolute best way. If your husband already has ideas about a credit card and what he will do with it then that give you an idea of why he has bad credit. Be responsible...take your time and allow your credit to build by purchasing small priced items on a credit account. Also the more your credit is checked ..it lowers your credit rating! His credit does not necesarrially effect your credit because this was before you married...your name was not available on any of his account it will however effect any joint ventures such as applying for a house loan together.
363439
If you're a home owner, the best way to get your hands on money is to cash out some equity in your home.  It's your money (from one perspective) and the rates will be about the lowest available on a loan.\n\nI caution you though, borrowing more to pay off your debts isn't the solution; replacing the financial habits that got you into debt with more healthy financial habits IS the solution.\n\nIn general, people in debt live on 'if-come'; they spend more than they make.  To fix the problem, you have to begin living on less than what you make, creating a surplus of discretionary income each month that you can use to pay back the money that belonged to someone else (banks in most cases) that you already spent.  In the meantime, they continue to collect interest on the money that you spent that wasn't yours.  It's a nice business considering how many people today don't see it for what it is.  Watch TV for half an hour, there will be plenty of companies just itching to make you a consolidation loan.\n\nIf home equity isn't available to you, shop for a consolidation loan with the lowest APR available and make yourself a promise to cut back on your expenses and pay the money back.  Get tough with yourself and decide what you NEED to live, and get rid of the things that made life more fun; they cost money that you can use to get out of debt.\n\nIn short, whatever your income is, it is.  Learn to live on it or find a way to make more of it.  Continuing to spend money that isn't yours is just going to keep you in debt, if not dig the hole deeper.
781709
For the sake of your cash flow go for the lowest possible monthly payment.  You can always pay more, but if you have a vacancy you might need the extra wiggle room made possible by a lower minimum payment.  A fixed rate would be better than an adjustable for this just because it makes you annual planning easier.  I used to own a couple of apartment buildings and know that being able to fix as many or your payments as possible can make life easier in a crunch.
797910
Try one but limit you balance.  If you spend $500 a month on gas, food, entertainment, have one with that limit.  Pay it off monthly.  DO NOT RIDE BALANCES!  That is the biggest problem people have in controlling their spending.\n\nThis way you can reserve many items by having a CC.  But a debit can work also.  \n\nYou don't have to have a CC if you choose to live below you means.  It takes serious control not to overspend with one.  \n\nTry an experiment to prove it.  Pay for everything with a CC for one month, and then pay for everything with cash the next.  You will see how different it is charging vs seeing your money leave your hand.  Being debt free is a mindset.\n\nGood Luck!
150905
My best advice would be to start by opening a new credit line.  Paying your bills on time and saving as much as you can.  Credit can be a bummer when it comes to buying a home.  Good luck!
541508
Your lender can tell you.  I'm paying a mortgage on a piece of land I am buying with a credit card that gives cash back.  It's really nice.  Pay the morgtage with card.  Pay card within grace period.  Get 5% cash back.  Of course, you can do miles, too, but the value of miles is waaaaayyyyy down from a decade ago.
505664
Unfortunately, you must establish credit to purchase cars and homes, the needs of life.\nLook for a card that is low interest and does not have any extra charges. Have a couple of friends or relatives, who are knowledgeable on the subject go over application to ensure you are not getting ripped off. \nTHE GREATEST WISDOM TO HAVING A CREDIT CARD is not to over charge. You should put small purchases on card each month and PAY FOR ALL OF YOUR PURCHASES WHEN YOU PAY YOUR MONTHLY BILL. The way these people make money is to increase your spending limit until your limit is so high that you have to eat worms for five years in order to pay the card off. Pay all charges each month. If you find yourself spending more than you can pay each month, either give the card to a TRUSTWORTHY friend or relative that will not let you have the card or just tear the card up.
4235
I think that you could just notify the bank/cc company of your interest, after all, I hear that they have even sent credit card offers to dogs, babies and dead people.  \n     Getting the credit isn't the problem, paying it off and not becoming a slave to it is!  Been there, done that, and never again! Been three years debt FREE!!!\n CASH is King, debt is dumb and the paid off home mortage is the NEW status symbol of wealth!!!!
1154501
As hard as it would be to pass up the sleigh bed, (for me too!) the best thing to do would be to save it for unexpected expenses.  If you had more in savings I would say go for it, but I can tell you that when you own a home, there's always something that comes up unexpectedly!
468366
I've heard several tips for this from Clark Howard, I'll share some with you:\n\n1. No matter what, you pay yourself first.  Put SOMETHING away before you pay your bills, EVERYTIME you get paid.\n2. Never use change when you spend.  If something costs 11.49, pay the 12.00 and throw the change into some type of "bank" at home.  If something is 1.19, don't look in your purse for the change, spend the $2.00 and throw the .81 in the "bank."  People who did this were on his show telling how, at the end of the year they managed to save $2500, and went on vacation with the money!\n\n3. Something I used to do when I needed a little cash quickly, was pay two bills with the same money.  How?  you might ask.  Well easy, if you have a credit card.  What I used to do is, add up all my utilities, my cable bill, phone bill, electricity bill, and even my car insurance and sometimes car note... and pay my credit card with that amount.  It's great if you can pay your credit card OFF like this each month - then I would take the credit card and actually PAY the bills with it.  This way, your credit card is getting paid (maybe in full - resulting in even greater savings since you won't have to pay finance charges) AND all your utilities and bills are getting paid... with the same money. =)\n\n4. Find out your "latte factor" basically Clark says that we all have a "latte factor," something frivolous that we spend our money on everyday - like starbucks coffee, or whatever... he says when you find it, eliminate that expense and take the money you spend on it everyday and save it.  He computed that $5 a day every day for 5 years, could yield a savings of $12,000!\n\nHope that helps!!!
298229
Frank!  Go away!\n\nI agree with the other people's advice...if all you owe is $2000 then it's worth trying to work it out with the credit card company.  Even if it involves making minimum payments.  That would work out to around $60-80 a month.  \n\nBy doing that, you avoid additional fees and penalties, until you can get your feet under you financially.  \n\nThe worst thing?  First they will place a report on your credit, making it hard for you go get loans in the future.  \n\nFor $2000 they may sue you.  If you have an income, or property such as a home or car, they may decide it's worth the effort.  If they do, tack on court costs and lawyer fees to what you owe.\n\nOnce they get a judgement, they can either garnish your wages, attach a lien to your bank accounts, take your car or put a judgement lien on your home (then you can't sell it).  \n\nThey don't go after your furniture or other posessions as nitwit says above.\n\nSo, my opinion, call the CC company and work it out.  If they don't budge, send them a letter to cease and desist so they stop calling you.