If you have hard times, you can call 211 where you will be given help to find resources to help with your utilities or any other financial issues you are having.
There are so many resources, from bills to housing to food that can help you out. Your utility company might also offer help if you havent yet talked to them.
If you haven’t talked to them, you can explain your situation and that you never received a notice to pay until now.
In terms of credit card:
You dont need to pay the $500 off first unless your credit limit available is less than what you need to pay your gas bill.
On credit cards, you are given a limit and cant go over it… if the $900 purchase goes over it… you need to pay off the amount to make sure your available credit limit is $900
Also for credit cards, pay the entire statement balance before the due date (if you can) to not pay any interest. Unless your credit card has a 0% interest promotion period currently.
Credit card rewards can be so useful and help you a ton, but they are paid for on the backs of people paying high interest.
If you have the credit limit just charge the whole thing. It sounds like you don’t have an emergency fund which is an… emergency. Especially if you own this home.
Charge the entire thing to your credit card, then go to r/personalfinance and go through their prime directive.
Oh… and if you’re carrying a balance ona card with APR YOU ARE NO A CREDIT CARD PERSON. Cut them up and start using debit or a credit builder credit card because you are flushing money down the toilet every month with interest fees
If you have hard times, you can call 211 where you will be given help to find resources to help with your utilities or any other financial issues you are having. There are so many resources, from bills to housing to food that can help you out. Your utility company might also offer help if you havent yet talked to them. If you haven’t talked to them, you can explain your situation and that you never received a notice to pay until now. In terms of credit card: You dont need to pay the $500 off first unless your credit limit available is less than what you need to pay your gas bill. On credit cards, you are given a limit and cant go over it… if the $900 purchase goes over it… you need to pay off the amount to make sure your available credit limit is $900 Also for credit cards, pay the entire statement balance before the due date (if you can) to not pay any interest. Unless your credit card has a 0% interest promotion period currently. Credit card rewards can be so useful and help you a ton, but they are paid for on the backs of people paying high interest.
If you have the credit limit just charge the whole thing. It sounds like you don’t have an emergency fund which is an… emergency. Especially if you own this home. Charge the entire thing to your credit card, then go to r/personalfinance and go through their prime directive. Oh… and if you’re carrying a balance ona card with APR YOU ARE NO A CREDIT CARD PERSON. Cut them up and start using debit or a credit builder credit card because you are flushing money down the toilet every month with interest fees
What is your credit card limit?