Posted on 09/10/2021 1:35:20 PM PDT by chasio649
Fifty-nine responses to your thread and you can’t even answer one?
What was the point of posting it?
Yeah, scream HELP Me HELP Me, and give no information.
Oh we’re not judging you and whatever mistakes you’ve made. Wait, yes we are judging you. .if you just want pissing and moaning sympathy, that store is a few blocks down the road.
If you really want help, there were plenty of good suggestions. If you are for real, well, sorry dude, sometimes life sucks. Even if you’re name is LeBron or Tiger.
he may be off hiding from creditors as we type.
Go rob a bank.
Worked for me.
Al baby, my apologies for my idiot response. This was meant for OP.
Thanks, she’s quite a decent person and did not deserve what happened to her. She has since moved down to the Deep South but still works for our company.
Consumer Credit Counseling will renegotiate the interest, possibly to zero and get the payments to something you can manage. Then it’s nose to the grindstone until it’s paid off.
Divorce generally makes the financial situation worse. I don’t recommend it unless it’s the only way to solve the secret spender problem. Some learn their lesson and stop, others are incapable of self-control (usually because they are bi-polar).
YMMV
Get a federal school loan for 50k.... drop out of school without paying on it. Payoff the credit cards with 45k. Go on a Cruz with the extra 5k And wait for Biden to forgive your school debt.....
“I don’t think the guy is answering anyone’s posts. Joker?”
Account may have been hijacked. Happened here a few days ago.
yes
thank you
yep
Pray some more. Go over the budget again. Find stuff you're wasting money on and quit spending on it. Push that money to paying extra on the credit card.
Pray some more. Go over the budget again. Quit paying for many entertainment subscription services. Quit eating out. Put the extra you're saving to paying extra on the credit card.
Pray even more. Go over the budget again like you're in love with it. Look up investing calculators only to see how much money your wealth will grow into if you invest X dollars per month and get a 10% growth (I average between 11 and 12%). Let the knowledge of that motivate you to pay off your debt sooner by going over all your expenses again to see if there's anything else to cut back on your spending.
Pray more. Train yourself so that spending has the emotional equivalent of eating broken glass. Think about how bad you want compounding returns of investments to make you money as much as the compounding interest of your credit card loses your money. Think about how much your wife would desire you more if you give her financial security. Look at that budget again and see if there's anything you can cut back on. Look at the past few months of spending on either your credit card or bank account and ask yourself if what you bought was worth it. Did buying those things change your life for the better like the advertisements said they would? Of course not. They never do. Vow to yourself to never fall for that bull crap again.
Pray again. Look at the budget again. Don't even think about debt consolidation or bankruptcy. This is a behavior change that needs to happen. Somehow magically wiping the slate clean keeps you from learning how to quit blowing money. Look at the online wealth building calculators again and ask yourself how bad you want to get to the point where your debts are paid off and you're using your budget to invest the excess so your wealth can grow.
Pray again. Look at the budget again. Talk to your wife. Commit to each other that the next time either of you is tempted to waste money eating out you'll instead save money and consume each other in bed. Ask each other at what age you want to retire and how bad you're willing to pay the price now so you can meet that goal. Lookup the online investing calculators again. Commit to not wasting any more money.
Pray again. After you've used your budget to pay off a significant portion of your credit card, start a Roth IRA for you and one for your wife. The minimum is $1,000 each. Put one into an all-cap growth fund and one into a small-cap value fund. Watch the value each month. Think about how much it grows. It's no longer just hypothetical returns in online calculators. It's real money. Ask yourself how much you wish you had invested more. Realize that the only thing stopping you from going all in on investing is that blankety-blank credit card debt that causes you to hate life more than LSU fans hate Nick Saban. Hate that credit card so much that you'd wipe your butt with it if you could flush it down the toilet.
Pray again. Look at the budget again like someone committed to make a real difference, not just grumble about the credit card balance. Find the last thing your wasting money on and quit.
Until you get to that point, I question how bad you really want to get rid of the credit card debt.
LOL! Don’t forget to change genders! And claim you are a demonrat!
My thoughts too. Actually, it’s a no brainer. And he should expose himself to the teachings of Dave Ramsey.
The thing about CC debt is that often the interest rate is so high that you’ve “paid off what you bought” and still owe tens of thousands. We got all our cards down to zero a few years ago, but I had a fairly good job. We got to something like $35k on cards. $35k is not as bad when you make a good six figures as it is if you make $50k.
Vertex42 also has a debt reduction calculator. Last I checked it was free. We used it.
I was awake when that happened. It was just plain weird seeing stupid post after stupid post.
Don’t pay the old bills and let the new ones grow old
You may want to consider the Turing Test on the OP before recommending prayer. :-)
https://en.wikipedia.org/wiki/Turing_test
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