conversation: User (Cellice): "Greetings,\nI'm dealing with a serious amount of debt that I accumulated in 2013 from being out of work for a year. I lived off my credit cards during this time since I did not have an emergency fund. The debt accumulated fast due to rent, expenses etc. Luckily, I was always able to keep up with all my payments. Therefore, I have a lot of debt but no negatives.\n\nI now have a decent job.\n\nPer month:\nIncome: $ 3,443.00 (This is after tax deduction, retirement contributions)\nMileage Reimbursement: $ 150.00 (sometimes up to $300)\n\nCurrently after my expenses (rent, car, groceries, min credit card payments) I only have $380 extra per month.\n\nHere is my debt:\n\nCredit Cards:\n(Min Pay ) | \nBalance | \nInterest\n\nBoA Amex | \n$ (61.00) | \n$ 2,188.96 | \n0%\n\nCapital One | \n$ (212.00) | \n$ 7,064.95 | \n10%\n\nCapital One | \n$ (79.00) | \n$ 7,892.04 | \n0%\n\nCapital One QuickSilver | \n$ (25.00) | \n$ 2,626.77 | \n0%\n\nChase Freedom | \n $ (41.00) | \n$ 1346.48 | \n0%\n\nChase Amazon | \n$ (25.00) | \n$ 757.84 | \n0%\n\nDell Financial | \n$ (47.00) | \n$ 1,541 | \n0% \n\nDiscover Card | \n$ (42.00) | \n$ 1,564.05 | \n0%\n\nPenFed Amex | \n$ (50.00) | \n$ 2,506.59 | \n6.24%\n\nPenFed Visa | \n$ (29.00) | \n$ 1,359.61 | \n0%\n\nWalmart MC | \n$ (35.00) | \n$ 985.51 | \n17.50%\n\nWells Fargo Amex | \n$ (15.00) | \n$ 1,397.99 | \n0%\n\nWells Fargo Visa | \n$ (75.00) | \n$ 2,933.97 | \n0%\n\nBarclay MasterCard | \n$ (27.00) | \n$ 1,976 | \n0%\n\nTotal | \n$ (763.00) | \n$ 36.091.33 | \n\n\nI have $19K in cash I will be applying towards this credit card debt. I am trying to decide what would be best. I was thinking all of the cards except for the three Capital One cards. Then balance transfer the $7K on the Capital One cards to the PenFed card that has 0% balance transfer for a year and then avalance the balances.\n\nThoughts?\n\n"
  Self: "Pay off al cards with interest currently accumulating, plus cards where the 0% introductory rate will expire soon. \n\nThen use all extra income to pay down the remaining $17k of debt. \n\nFinally, I would look into which cards to close once you've paid them off. I would aim to keep four CCs at most. "
  