At the beginning of this whole get out of debt thing I decided that I wasn’t going to do any balance transfers. If you think about it, Balance Transfers are exactly what they say they are, a transfer of a balance from one place to another. To me, they didn’t fit with our whole debt payoff plan. We were going to debt snowball this thing all the way until the very end. Then we got to our student loans, and it was time for us to be more “woke” about our situation. I’ve done three balance transfers pre Broke on…

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