With a 2.5% minimum monthly payment, and 19.99%

With a 2.5% minimum monthly payment, and 19.99% APR that balance could take almost 9 years to pay off. And over that time period, a cardholder could pay more interest than the original debt!Amount Charged: $560Annual Percentage Rate (APR): 19.99%Minimum payment: 2.5%Time to pay off: 104 monthsInterest paid: $584This example doesn't even includeNike pas cher, imminent holiday shopping, which could make these numbers even scarier."The best policy is to pay for back-to-school purchases with cash," Opperman said. Back-to-school expenses continue to rise, and many consumers may be reaching for their credit cards to buy necessary supplies for their kids.That's the concern of Springboard Nonprofit Consumer CreditNike Shox Femme Pas Cher Management, which offers cautionary advice to those who plan to pay with plastic when faced with educational expenses."It's not just pencils and books," Springboard Vice President of Community Outreach Melinda Opperman said. If one pays for educational expenses with credit, that debt can end up hanging around for years.According to the National Retail Federation, the typical family will spend around $560.00 on back-to-school expenses this year. Parents need to have a plan to pay off those school expenses before the holiday gift-giving season hits."It's not just this year's holiday spending that may be affected by back-to-school shopping. "If you must pay with a credit card, have a plan in place to pay that card off in full as soon as you receive a statement.""If you are unable to pay it in full, keep in mind monthly credit card payments are calculated as the percent of your current outstanding balance.The monthly payment called for on your credit card statement will decrease as your balance is paid down andonly paying the minimumcalled for on the statement can greatly increase the length of time and amount of interest you pay," said Opperman. "Shoes and apparel make up the largest percentage of school shopping, and that's where consumers feel most comfortable paying with credit."But they shouldn't get too comfortable swiping that card, Opperman warns. "With holiday shopping just around the corner, this is a bad time to add to one's consumer debt. "Additionally, the length Chaussures Timberland Femme of time to pay offa credit card isgreater the higher the interest rate, and keep inmind any low promotional interest rates thatare only good for a short period," she said.If you're concerned about how your spending will impact your personal finances, visit Springboard's website and download their Power of Paycheck Planning booklet for free, or dial (800) 947-3752 to request a copy.Jeff MichaelAuthor of "Repair Your Credit and Knock Out Your Debt".

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