Hopefully you are NOTHING like me and avoid credit card balances like the plague. However, as someone who's been less than steallar at saving and not lucky enough to inheit a trust fund, I confess that at times I resorted to using credit cards when getting my business off the ground. Yes, I've got super duper low rates (even a couple of 0%'s), but I have a couple of balances nonetheless.
CNN has this handy little calculator that lets you see exactly how much longer you are doomed to be paying those shiny plastic little suckers off.
While we're on the topic of getting out of debt, I really loved this budgeting system I came across on Life Hacker the other day.
I've recently begun a quasi budgeting plan and, man, its a major adjustment for me. But I like the ease and simplicity of this system and am going to try to incorporate it.
Mom, if you are reading and care to fill me in on any afore to unmentioned trust funds, please do so immediately.