the reality is, that our credit card debt is not in control. it’s expensive, it’s growing, and it’s getting to the point that it’s not going to be cleared by anything short of serious effort.

i’m thinking of taking out a loan, considering how happy i was to pay the last one off, it’s not an easy decision. but just looking at the interest rate numbers and the amount of interesting we’re paying on the credit card bill means it should be a no-brainer. the fear is, paying it off and running it up again. so, i think i’ll pay it off (if i get a loan) and then setup a ‘pay off the credit card each month’ deal from my current account so we have no choice but to clear the bill each month.

hopefully that will keep it under control if we do take this option.