I just want to be clear. Are you saying that you haven't been paying your cable, gas and electric bills in full every month? If so, I don't care what the interest rate is. You are living WAY beyond your means if you can't stay current on your utility bills and you certainly can't afford cable right now (no, cable is not a utility - it is a luxury item). Pay those bills off, cancel the cable and get yourself on a budget that fits your income.
If I've misread this and I'm not properly understanding your question, I apologize. Please clear it up for me.
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Steve
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
* The world is a book and those who don't travel read only one page.
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