I have a slight dilema. I'm usually a wizard with numbers. But on this one I'm stymied unless I sit down with both cards and add up the numbers. Then work with the figures for the combined cards and see which is the best way to go. Oh and this is NOT a moral support or sympathy issue in any way. Just wanting to find the quickest and best way to get credit cards paid off. They are indeed going down but not quick enough for my liking. Hey, I want to enjoy my raise!
But I have to see it first.
The problem is this. I am paying off two credit cards. Separately, they aren't so high. One will be (these amounts are approximate) 3800 the other 2800. Together it will be over 6,000. They quoted me the minimum will be 147 for both. The finance would be about 35 to 40 thereabouts for both.
Is it best to keep them separate or combine them? TIA!