AustenNut wrote:With a 14.99% interest rate on the cc debt, I would pay that off first. I second the recommendation of looking into a credit card with a good balance transfer option. We did that with a Citicard cc that offered 0% interest with a 3% transfer fee. We transferred my husband's car 9.9% car loan on to it, and definitely saved money. Just make sure you pay it off before the promotional rate expires. Most of those balance transfer cards charge 2-3% on the balance transferred, but once I did hear about a card with a 0% transfer fee as well (don't remember what it was).
Congratulations on the pregnancy, and I hope it goes well for you.
Yes, transfer to another 0% interest card promotion, if you can, especially if you feel you can pay it off, or
just to a lower interest card if you can find one.
One other strategy if transfer is not an option is to stop charging on a credit card with a balance.
If you carry a balance, interest is charged from the moment you use it.
If you use a credit card, either use one you already have that has a zero balance, or get a new one, and
don't carry a balance on the new one. If you are normally charging $300 a month for the convenience of a CC, on
a card with no balance, you pay nothing for the convenience. If you do this on a card with a balance, you
pay 15% for that covenience.
I have a SIL who is an RN, and she likes to work most holidays, because she gets double pay on a holiday.
She then shifts the holiday celebration to another weekend. You may want to consider that even if you don't
take any overtime. If your husband is off on the holidays, you won't have to get daycare. This does not need to
be a permanent situation, just until you get the CC debt hacked down.