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Consolidating credit card debt resources

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Responsible credit card usage can help you take advantage of certain promotions and can help build your credit, but sometimes certain life events or unexpected challenges you come across may mean you end up with excessive credit card debt or financial stress.

Fortunately, there a few different strategies that can help you get a handle on your credit card debt.

The lender will pay off your credit card bills, and in exchange you’ll enter into a loan agreement with the lender to pay back the money.

For a credit card consolidation loan to be worth your while, you’ll want a plan that offers a lower interest rate and/or lower monthly payments than you’re currently paying to your creditors.

I’ve gotten a couple emails from readers lately regarding getting rid of their credit card debt by withdrawing from their RRSPs/retirement account. Before we start with the scenarios, lets look at some of the basics: Withdrawals from an RRSP account is added as income for the year which is then taxed at your marginal tax rate.

To help pay for this year end tax, the RRSP withdrawals face an initial withholding tax.

Scenario #1: In order to pay off the ,000 credit card debt, approximately ,667 [k/(1-MTR)] needs to be withdrawn from the RRSP to get ,000 after taxes.

That is providing that the withdrawal doesn’t put you into the next tax bracket.

Remember, you’ll need to not only put together a budget, but stick to it as well.

Providing that the extra income doesn’t result in a tax bracket jump, ,000 x 40% – 0 =

Remember, you’ll need to not only put together a budget, but stick to it as well.

Providing that the extra income doesn’t result in a tax bracket jump, $5,000 x 40% – $500 = $1,500 owed at tax time.

With that explained, lets get back to the topic at hand with some scenarios.

The first step to paying off your credit card debt is to figure out how much debt you have since sometimes you may underestimate how much you truly owe.

Make a list of all your credit card balances and loans, along with the minimum monthly payment and APR for each.

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Remember, you’ll need to not only put together a budget, but stick to it as well.Providing that the extra income doesn’t result in a tax bracket jump, $5,000 x 40% – $500 = $1,500 owed at tax time.With that explained, lets get back to the topic at hand with some scenarios.The first step to paying off your credit card debt is to figure out how much debt you have since sometimes you may underestimate how much you truly owe.Make a list of all your credit card balances and loans, along with the minimum monthly payment and APR for each.If you’re not sure how many cards you have open, you can check your credit report for free to find out.

,500 owed at tax time.

With that explained, lets get back to the topic at hand with some scenarios.

The first step to paying off your credit card debt is to figure out how much debt you have since sometimes you may underestimate how much you truly owe.

Make a list of all your credit card balances and loans, along with the minimum monthly payment and APR for each.