https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 28 May 2026 06:58:51 +0000 https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668346 Tue, 26 Mar 2013 13:14:15 +0000 tequiero21 668346@https://boards.hellobee.com/ <p>@Anagram: ugh, we have a house in another state that we rent and can't get rid of too. Double ugh! </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668337 Tue, 26 Mar 2013 13:12:36 +0000 tequiero21 668337@https://boards.hellobee.com/ <p>We have a lot of cc debt but pay it off every month, so I just it less than 1000.... It varies each month because we charge practically everything and get our reward points... </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668324 Tue, 26 Mar 2013 13:09:00 +0000 Andrea 668324@https://boards.hellobee.com/ <p>We pay them off each month, too. I like to use credit cards because of the rewards, though. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668296 Tue, 26 Mar 2013 13:02:34 +0000 chibee 668296@https://boards.hellobee.com/ <p>Wow you guys are definitely not America's norm! I read somewhere that America's average household credit card debt is somewhere around $15,000. I can totally see this, as I have some friends with a high credit card debt. I also once started out post-college with almost $8,000 in debt, and I had paid it off, but I still have around $2,000 to go, and these are mostly from over Christmas, when I put DH's present, my mom's and mother-in-law's present (iPads all around!) on my card instead of paying for it outright because I have a bad habit of thinking, oh it'll be better if I pay it off little by little, I don't want to spend that much right now. I ended up charging $2000 on my card :( I swear, it's the LAST time I am going to do something like this! I should be debt-free in about 5 months though! And DH has no debt. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668281 Tue, 26 Mar 2013 12:59:20 +0000 DigAPony 668281@https://boards.hellobee.com/ <p>I just used part of our tax return to pay off a huge chunk of our cc payment, so now we're down to only $450! I'm so relieved. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668252 Tue, 26 Mar 2013 12:54:00 +0000 Anagram 668252@https://boards.hellobee.com/ <p>@CottonCandy: Oh, I've had various times in my life when I had more CC debt than I could pay in one month. So you are not alone! I just make it a priority to pay it off ASAP and usually do within a few months.</p> <p>BUT I have some student loans (luckily, DH has none), and I own a house (that I rent) in a different state that is becoming a total money suck, and we're trying to buy here, so we're going to definitely have debt.</p> <p>And these days, mortgage debt isn't as safe as it used to be. There's always the chance that there will be another market fall-out and then home values will fall, and we could be upside down on not one, but TWO houses.</p> <p>So yeah, a couple thousand on a CC would probably be preferable to that, right? ;-) </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668213 Tue, 26 Mar 2013 12:41:54 +0000 babycanuck 668213@https://boards.hellobee.com/ <p>We have a lot of debt between us. It's unfortunate, and it didn't get that way overnight, so it won't go away overnight, but we're trying. One day at a time. Sometimes I have to remind myself that because it stresses me out huge, especially since we're in talks about a family. I don't feel there is any "right" time to start a family - there will always be bills, debt, and other things you can't control. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668209 Tue, 26 Mar 2013 12:40:29 +0000 StbHisMrs 668209@https://boards.hellobee.com/ <p>@lisa1783: I didn't know that, thanks for that info :) </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668205 Tue, 26 Mar 2013 12:39:19 +0000 StbHisMrs 668205@https://boards.hellobee.com/ <p>Zero now, I had a costco amex rewards card when I was previously married and we put everything on it and paid it off every month. Then while we were going through a divorce he emptied our entire savings (and our sons) and racked up a huge bill on the card that I had taken him off of!! It took me a very long time to pay that down, but I did it. </p> <p>My dh had quite a bit of cc debt from during his divorce, he's taken care of it all now. </p> <p>I now use my one cc for gas purchases only, then pay it off every month. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668197 Tue, 26 Mar 2013 12:35:49 +0000 lisa1783 668197@https://boards.hellobee.com/ <p>We pay off all our credit cards every month except for about $5. It actually lowers your credit score to not have a rolling balance so we leave $5 and the interest comes out to be $1 so for $12 it results in a slightly higher credit score. It's not a big deal now since we bought our house but necessary when we bought our car and our house within a 15 month period. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668153 Tue, 26 Mar 2013 12:24:13 +0000 Bao 668153@https://boards.hellobee.com/ <p>Zero. We don't have credit cards. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668135 Tue, 26 Mar 2013 12:18:59 +0000 doxielove 668135@https://boards.hellobee.com/ <p>We just paid off 1 cc that had a balance around $1100 (I needed a root canal/crown August of last year and already maxed out my dental for the year - eekl!)</p> <p>So, all we have right now is around $1300 on a department store card. We bought a new mattress set on a no-interest-until-2015 deal. So, yes we have some consumer debt, but it's interest free until 2015 (so as long as we pay off the balance by Sept 2015 we're good). It's a completely manageable monthly payment of about $40, and it makes no sense to pay off the balance early since it's interest free! </p> <p>Now, my student loans...that's another story :-\ </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668101 Tue, 26 Mar 2013 12:07:21 +0000 cheert16 668101@https://boards.hellobee.com/ <p>@CottonCandy: I am like you!!! </p> <p>We have some debt- most of which we accrued prior to getting married- but we are curretntly working like crazy people to pay it off!! By the end of this year I should be debt free (except for my car) and DH by the end of next year! </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668040 Tue, 26 Mar 2013 11:53:13 +0000 CottonCandy 668040@https://boards.hellobee.com/ <p>@MediaNaranja &amp; @Mrs.Wagon: Ahh glad I'm not alone, but not glad that we are all in this situation :)</p> <p>Stressful is definitely the word to describe cc debt. We are trying really hard to dig our way out but it sometimes feels like it will take foreverrrrr! </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-668003 Tue, 26 Mar 2013 11:45:23 +0000 mrs. wagon 668003@https://boards.hellobee.com/ <p>@CottonCandy: @MediaNaranja: you guys are not alone!! haha.</p> <p>I was unemployed for a year and a half and then a stay at home mom for 18 months, so we have a good amount of credit card debt. We knew we'd be digging ourselves into a hole by starting our family when I was unemployed, but we didn't want to wait until I was able to find another job. It's stressful and definitely not ideal but we're aggressively digging our way out. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667967 Tue, 26 Mar 2013 11:38:17 +0000 teamjse 667967@https://boards.hellobee.com/ <p>Zero. We use our credit card to pay all monthly bills and expenses but they're paid off each month. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667966 Tue, 26 Mar 2013 11:38:10 +0000 Reese 667966@https://boards.hellobee.com/ <p>We pay everything on our CC for the travel rewards. We pay it off every month </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667961 Tue, 26 Mar 2013 11:36:49 +0000 MediaNaranja 667961@https://boards.hellobee.com/ <p>@CottonCandy: You're not alone :) I'm too embarrassed to even vote in the poll, haha. It has taken a toll me being in grad school, coming straight from a job that barely paid, and before I was in the Peace Corps. Very little opportunity to save money when you are only paid $250/month as a PC volunteer. My DH has recently immigrated from another country, and doesn't have his work permit yet, which means it's me, my student loans, and (small) graduate stipend keeping us afloat....needless to say, I am carrying a bit of consumer CC debt, and I'm not proud. Luckily, I graduate in 40-ish days, and hope to be quite aggressive at paying things down once I find employment and DH is legally able to work. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667959 Tue, 26 Mar 2013 11:36:12 +0000 Mrs. Jump Rope 667959@https://boards.hellobee.com/ <p>My credit card was almost paid off, but our cat just had surgery sooo... Now we're closer to the $1,000 range :( </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667945 Tue, 26 Mar 2013 11:29:25 +0000 ShootingStar 667945@https://boards.hellobee.com/ <p>We have no consumer debt. We heavily use our credit card for everything that's not a bill and needs to be paid with cash. That way we benefit from the cash back. And we pay it off in full each month. I love our system because I never need to worry about our spending and making sure between two of us that there's enough in our checking. It's much more predictable when just bills get paid from it. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667938 Tue, 26 Mar 2013 11:26:33 +0000 Lozza 667938@https://boards.hellobee.com/ <p>None. We never carry over a CC balance, cars are paid off.<br /> Sadly, I still have a significant student loan to pay off from grad school (thank goodness DH's degree was free), and we have a mortgage. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667876 Tue, 26 Mar 2013 11:07:16 +0000 KissMeCait 667876@https://boards.hellobee.com/ <p>None. We only use our credit cards to build credit. Anything we charge, we pay off the same month. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667860 Tue, 26 Mar 2013 11:02:24 +0000 chopsuey 667860@https://boards.hellobee.com/ <p>No consumer debt. We use our bank card or cash for all purchases. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667833 Tue, 26 Mar 2013 10:56:33 +0000 winniebee 667833@https://boards.hellobee.com/ <p>I'm really impressed by the debt free and low debt bees here! </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have/page/2#post-667797 Tue, 26 Mar 2013 10:43:30 +0000 mrsjyw 667797@https://boards.hellobee.com/ <p>none, we pay it off every month. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have#post-667793 Tue, 26 Mar 2013 10:42:21 +0000 Smurfette 667793@https://boards.hellobee.com/ <p>We just have CC debt, well besides house and car, but we usually pay it off each month. The last couple months it has been higher since buying the house. But still have paid it off each month. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have#post-667790 Tue, 26 Mar 2013 10:41:37 +0000 Mrs. Champagne 667790@https://boards.hellobee.com/ <p>We pay ours off every month, but rarely use them anyways. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have#post-667752 Tue, 26 Mar 2013 10:29:07 +0000 HLK208 667752@https://boards.hellobee.com/ <p>$350 for credit cards right now. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have#post-667739 Tue, 26 Mar 2013 10:25:25 +0000 tysonja 667739@https://boards.hellobee.com/ <p>we have no debt of any kind (cc, morgage, car, student loans). but we also have no extra money and hardly any savings! </p> <p>we use our cc's every day but pay it off right away, twice a month or more. </p> https://boards.hellobee.com/topic/how-much-consumer-debt-do-you-have#post-667737 Tue, 26 Mar 2013 10:24:13 +0000 loveisstrange 667737@https://boards.hellobee.com/ <p>Zero. We dont have credit cards. </p>