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Dave my husband and I are starting on our debt snowball we estimate we can finish it in two and a half years Im concerned about the credit card debt as the interest rates around seventeen percent would it be wise to take out a personal one which would bear an interest rate of about 5% to pay off the credit card and work that snowball with a lower interest rate that you can you cant so lets pretend Ill just make up some numbers you dropped it from seventeen to five so he dropped it twelve and lets say you had $10,000 in credit card debt thatd be 1,200 ollars a year you would save except that youre paying off the credit card debt during this two years while were doing this so youre not gonna save twelve hundred ollars a year youre probably going to save an average or more like six hundred dollars a year so were talking about a thousand dollars that you say by doing this which is nice if you send me a thousand dollars Ill take it nothing wrong with a thousand dollars but a tho
