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jeanla4c
THREE YEARS already!
Member since 8/04 5242 total posts
Wedding Date:
7/9/2005 2:30 PM
Wed. Location:
Chateau La Mer
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Re: How much credit card debt are you in?
Also NONE  School loans, that's another story!!
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Posted 1/19/06 12:55 PM 
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Beth1210
I want to do it again!
Member since 6/05 4048 total posts
Wedding Date:
12/10/2005 7:30 PM
Wed. Location:
Flowerfield
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Re: How much credit card debt are you in?
I have to say I would have as much debt as I do if I didn't live in the city when I made $35K a year- and worked for bloomingdales and got 40% every 3 weeks!
but I have NO student loans
I think it's great that so many of you don't have any debt- I try to discourge younger people I know not to do what I did
this will be the second time I have to paid off $10K debt- the last time a got stuck with bills after I loved with some one - I didn't learn my lesson the first time- shame on me
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Posted 1/19/06 1:38 PM
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Mrs. dleeny
My most beautiful day ever
Member since 3/05 12395 total posts
Wedding Date:
11/6/2005 5:00 PM
Wed. Location:
Swan Club A+
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Re: How much credit card debt are you in?
Posted by ItalGrkWedding
I am a financial planner and find that in the tri-state area, the average credit card debt per family is about $15,000.
 
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Posted 1/19/06 1:55 PM
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Beth1210
I want to do it again!
Member since 6/05 4048 total posts
Wedding Date:
12/10/2005 7:30 PM
Wed. Location:
Flowerfield
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Re: How much credit card debt are you in?
Posted by dleeny
Posted by ItalGrkWedding
I am a financial planner and find that in the tri-state area, the average credit card debt per family is about $15,000.
that's nothing- my hubby refinaces peoples homes who owe way more then that!
I had a friend who by 25 owed over $50K!
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Posted 1/19/06 2:01 PM
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Mrs. dleeny
My most beautiful day ever
Member since 3/05 12395 total posts
Wedding Date:
11/6/2005 5:00 PM
Wed. Location:
Swan Club A+
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Re: How much credit card debt are you in?
Posted by Beth1210
Posted by dleeny
Posted by ItalGrkWedding
I am a financial planner and find that in the tri-state area, the average credit card debt per family is about $15,000.
that's nothing- my hubby refinaces peoples homes who owe way more then that!
I had a friend who by 25 owed over $50K!
 OMG!!! I guess I am one of the lucky ones. my parents brought me up to be practical. granted it's not always fun, but I sleep at night!
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Posted 1/19/06 2:07 PM
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glinda_goodwitch
I married my best friend...
Member since 3/05 8735 total posts
Wedding Date:
6/17/2006 5:30 PM
Wed. Location:
Jericho Terrace
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Re: How much credit card debt are you in?
None. FH and I have always paid off our credit cards in full.
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Posted 1/19/06 2:50 PM
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Soon2BMrsA
Loving Married Life!
Member since 11/04 2856 total posts
Wedding Date:
6/18/2005 4:00 PM
Wed. Location:
Greentree Country Club
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Re: How much credit card debt are you in?
Posted by trnity44
none- DH and I dont carry a balance on our credit cards. It is completely paid off every month.
ditto, I refuse to pay interest to my CC companies! So even if it means taking a lil more than planned out of our savings - we do it.
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Posted 1/19/06 2:51 PM
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dgtlsunshine
Back to the Workforce :)
Member since 12/01 2840 total posts
Wedding Date:
7/7/2002 12:00 AM
Wed. Location:
Coral House
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Re: How much credit card debt are you in?
Posted by dleeny
Posted by Beth1210
Posted by dleeny
Posted by ItalGrkWedding
I am a financial planner and find that in the tri-state area, the average credit card debt per family is about $15,000.
that's nothing- my hubby refinaces peoples homes who owe way more then that!
I had a friend who by 25 owed over $50K!
OMG!!! I guess I am one of the lucky ones. my parents brought me up to be practical. granted it's not always fun, but I sleep at night!
Its also relative. One may have 15k in credit card debt but have the finances to pay in off in a few months if even that long. Sometimes people start businesses using credit cards.
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Posted 1/19/06 2:52 PM
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Beth1210
I want to do it again!
Member since 6/05 4048 total posts
Wedding Date:
12/10/2005 7:30 PM
Wed. Location:
Flowerfield
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Re: How much credit card debt are you in?
Its also relative. One may have 15k in credit card debt but have the finances to pay in off in a few months if even that long. Sometimes people start businesses using credit cards.
I can't decide what's worse- going in to debt like I did to buy clothes and high lights for my hair
or being in debt b/c you are buying groceries and gas for your car
I guess I am the foolish one b/c I had a choice- but a lot has to do with the way I rasied- I was VERY spolied and never told no- so once my parents pulled the plug- I didn't want to stop living the way I was used to
even though it's annoying to have to pay off these bills now- I am so happy I lived in the City for 2 years- even though I really couldn't afford it at the time- it was a great experince
I have learned my lesson this time- I am lucky that I can pay more then the minium payments each month- and it hasn't affected my credit - except to make it stronger- but not everyone is so lucky
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Posted 1/19/06 3:00 PM
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klingklang77
at home in the world...
Member since 10/05 1915 total posts
Wedding Date:
7/16/2006 3:30 PM
Wed. Location:
Milleridge Carriage House
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Re: How much credit card debt are you in?
i have about 7K. i just did a balance transfer so i will have 0% interest until january 2007. i did this last year for a balance of 5K and paid it off in 5 months. i am living at my parents now, so my bills are low and i plan on having it all paid off by july.
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Posted 1/19/06 3:02 PM
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ckgmwedding
Baby Grace is 1 year old!
Member since 6/04 4817 total posts
Wedding Date:
7/16/2005 3:00 PM
Wed. Location:
Merchant Marine Academy- Melville Hall A++++++++++
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Re: How much credit card debt are you in?
NONE! I pay my off each month and DH only leaves a couple of hundred on his to increase his credit score. Believe it or not, his is higher due to his having a small balance that he pays off over time.
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Posted 1/19/06 3:37 PM
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Beth1210
I want to do it again!
Member since 6/05 4048 total posts
Wedding Date:
12/10/2005 7:30 PM
Wed. Location:
Flowerfield
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Re: How much credit card debt are you in?
Posted by ckgmwedding
NONE! I pay my off each month and DH only leaves a couple of hundred on his to increase his credit score. Believe it or not, his is higher due to his having a small balance that he pays off over time.
Jake- my DH and a credit expert- mortgage banker told me they don't like it when you pay in full- it better to carry a balance- another crazy thing that doesn't make sense
that's why my score is as high as it is- I always a have balance, pay more then the minium
everyone wants to give me credit- it's annoying
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Posted 1/19/06 3:42 PM
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Katherine121
"I'm Addicted"
Member since 10/04 1858 total posts
Wedding Date:
5/21/2005 12:00 AM
Wed. Location:
Hall
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Re: How much credit card debt are you in?
Wow - I am sincerely proud of you girls. Most of you have ZERO credit card debt And the ones that do only carry a balance to keep your scores up. Can you teach the rest of our country how to do this? 
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Posted 1/19/06 3:48 PM
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MissingTheBGene
We're homeowners!
Member since 6/05 4547 total posts
Wedding Date:
6/2/2006 3:00 PM
Wed. Location:
The Woodlands
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Re: How much credit card debt are you in?
Posted by trnity44
none- DH and I dont carry a balance on our credit cards. It is completely paid off every month.
Same for us. I used to carry a $5K debt but I got myself out of it and I will never go back there!
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Posted 1/19/06 3:52 PM
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BHW
Time is flying by
Member since 7/05 1473 total posts
Wedding Date:
9/25/2005 11:00 AM
Wed. Location:
Crescent Beach Club
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Re: How much credit card debt are you in?
Posted by Beth1210
Posted by ckgmwedding
NONE! I pay my off each month and DH only leaves a couple of hundred on his to increase his credit score. Believe it or not, his is higher due to his having a small balance that he pays off over time.
Jake- my DH and a credit expert- mortgage banker told me they don't like it when you pay in full- it better to carry a balance- another crazy thing that doesn't make sense
that's why my score is as high as it is- I always a have balance, pay more then the minium
everyone wants to give me credit- it's annoying
Can anyone explain why someone who has credit card debt, even if it's only a few hundred $, would have a higher credit score than someone else who always pays their bills on time and has never had any debt? That seems strange to me, but I don't really know how credit/loan system works.
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Posted 1/19/06 4:45 PM
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N.Y.bride
Beyond Obsession
Member since 3/05 7206 total posts
Wedding Date:
7/28/2005 11:30 AM
Wed. Location:
Chateau La Mer A++++++
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Re: How much credit card debt are you in?
Maybe $100 or so, but I have tons of student loans!!!!!
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Posted 1/19/06 5:17 PM
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cocoa
I love my mer-man!!!
Member since 1/04 5869 total posts
Wedding Date:
8/8/2004 12:00 PM
Wed. Location:
thatched cottage
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Re: How much credit card debt are you in?
Posted by trnity44
Posted by trnity44
none- DH and I dont carry a balance on our credit cards. It is completely paid off every month.
I have to say too, that DH and I use our credit card for everything. We get airline miles for it, and always pay it off
same here.
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Posted 1/19/06 5:19 PM
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Valentinegirl
*~*~*~*~*~*~*~*
Member since 7/03 7281 total posts
Wedding Date:
2/14/2004 3:00 PM
Wed. Location:
Westbury Manor-A+
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Re: How much credit card debt are you in?
Posted by trnity44
none- DH and I dont carry a balance on our credit cards. It is completely paid off every month.
We just did this too so none.
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Posted 1/19/06 6:09 PM
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Kris77
Board Fanatic
Member since 12/04 474 total posts
Wedding Date:
8/28/2005 12:00 PM
Wed. Location:
Westbury Manor
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Re: How much credit card debt are you in?
Not a dime. We pay cash for everything.
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Posted 1/19/06 6:29 PM
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lcherian
I'm a Mrs.!!
Member since 10/04 2876 total posts
Wedding Date:
6/24/2006 2:30 PM
Wed. Location:
Hyatt Wind Watch
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Re: How much credit card debt are you in?
Posted by trnity44
none- DH and I dont carry a balance on our credit cards. It is completely paid off every month.
same here.
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Posted 1/19/06 7:35 PM
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palebride
Intercourse knows no season...
Member since 6/03 12375 total posts
Wedding Date:
4/3/2004 12:00 PM
Wed. Location:
Watermill
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Re: How much credit card debt are you in?
right after the wedding, when we moved into our co-op, we were charging a lot and then had a bunch of things come up, so we built up about $5000 worth of CC debt.
I was paying over the minimum, but we kept adding to it, and unfortunately, it stayed pretty high.
Happily, we recently paid it all off, and are now debt free and it feels soooo good!
and i'm hopeing that raised my already good credit score a bit, from what is being said in this thread....
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Posted 1/19/06 9:41 PM
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beautyq115
Board Princess
Member since 12/04 16774 total posts
Wedding Date:
7/16/2006 3:00 PM
Wed. Location:
Swan Club...AMAZING
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Re: How much credit card debt are you in?
NONE! Anymore that is...but I do have student loans and a car that I am paying off
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Posted 1/19/06 10:01 PM
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Shorty McBride
so done!
Member since 4/05 12783 total posts
Wedding Date:
11/23/2007 5:00 PM
Wed. Location:
Winter Garden Pavilion, Fox Hollow
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Re: How much credit card debt are you in?
Nearly 2K - but it was all tuition. I'm in the process of paying it off. I'll have it done by the end of the semester, just in time to charge NEXT semester! 
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Posted 1/19/06 10:36 PM
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SweetCin704
It's been a year already!
Member since 7/03 14278 total posts
Wedding Date:
7/15/2006 1:00 PM
Wed. Location:
CLM (A++++)
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Re: How much credit card debt are you in?
None for us, we always pay in full e/ month, I'm anal about it.
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Posted 1/19/06 10:42 PM
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ssdbk
Kerie
Member since 1/05 3960 total posts
Wedding Date:
11/12/2005 7:00 PM
Wed. Location:
Temple Chaverim
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Re: How much credit card debt are you in?
I have some CC debt, but it is getting lower very rapidly (so glad).
DH has none.
Mine is all from when I started my law practice. I did not take out any type of business loans, so I charged some things. In the meantime, I got my student loans paid off, built up the business and now I can pay a big chunk to my CCs at once. And who pays my bills? The clients that come to me to file their bankruptcies! That's one of my specialties. Most of them have debt from $40K-$60K when they come to me. The saddest ones are the people with high medical bills who got sick and had no insurance. Happens TOO often!!!
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Posted 1/19/06 11:17 PM
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