Bills are a part of life. While you may have a budget in place, there are some emergencies that will come up and then you are stuck with a larger bill, like a medical bill, that you either can pay off or you will need to put the income towards paying your rent. When stuck with this kind of decision, it is tempting for you to look into credit cards to see whether this is an option. For the most part, you should avoid using credit cards to pay off any bill, whether you live in an apartment or not. 

Even if you were able to decrease our medical debt with the help of having some mistakes removed or negotiating with the hospital, you may still owe a bit of money for the time you spent there. You are responsible for the remaining balance. If you have enough credit on one of your credit cards, this is a great way to pay a medical bill. But unless it is a low-interest card, this is often not the ideal option to work with. Some of the problems here include:

# Interest is going to accrue each month until you are able to get the balance paid off in full, which is going to go onto the principal and make it so that you owe more than you did in the beginning. 

# If you end up missing a payment for some reason or you have a late payment, you not only have to worry about the interest that is accruing on it, you also have to look at a late payment fee that the bank will add on. These two can combine and will make it more expensive than just paying for the debt on your own.
# If you get to a point where the payment is 60 days later or more, then the interest rate, which is already high on the card, will go even higher. You will need to decide if this is going to work for you financially. 

Whether you would like to bring along a roommate to share the space with you or you want to have that extra room for an office or for when guests come to stay, a two-bedroom apartment could be the solution that you are looking for. We welcome you to come and take a look at our 2 bedroom apartments in downtown SF to see if they are right for you. With the great amenities and all the features that you could want in a home, we are ready to welcome you through the door.