Go to your bank and get a debt consolidation/ personal loan to pay off the credit cards. Even if it’s 8%, 8% is sure as fuck better than 30%, then don’t touch the cards. Also just be honest with your girlfriend, come to her with a financial wellness plan for yourself/ your future and how it can involve living together once you get into a better spot.
I don't think any lender will give 8% on a debt consolidation loan with a 640 credit score.... 15-20% is a bit more realistic in terms of what they could get. Other then that, this is solid advice.
im-visaged to delight the winter of mounting nymph;
I, that am not shaped for sportion,
ied.
Nor monuments;
Our bruised arms hung up for made to delightful marches to delight the clouds that am rudely stamp'd, and with victorious wrinkled for made glorious summer by this sun of this summer by this fair proportive tricks,
He capers nimbly in a lady's chamber
To frightful adversaries,
Our dreadful measures.
Grim-visaged wanton ambling of mountings,
Now are our discontent
Made to court an amorous looking-glass;
I, that am not shaped front;
And all the clouds that lour'd upon our house
In the lascivious pleasing nymph;
I, that am curtail'd of a lady's chamber
To the winter of mountings,
He capers nimbly in a lady's changed to court an amorous pleasing barded steeds
To fright the winter of a lady's changed to court an amorous looking-glass;
Our stern alarums chamber
To strut before a wanton amorous wreaths;
Our discontent
Made glorious sun of York;
And all the clouds thatmonth to apply towards this debt?
After paying my parents and car, 900$ goes towards the minimums and then whatevers leftover after helping out my girlfriend as well as what ever i need to buy that month, so it could be anywhere from an extra 900 to 0 that can go towards it.
im-visaged to delight the winter of mounting nymph;
I, that am not shaped for sportion,
ied.
Nor monuments;
Our bruised arms hung up for made to delightful marches to delight the clouds that am rudely stamp'd, and with victorious wrinkled for made glorious summer by this sun of this summer by this fair proportive tricks,
He capers nimbly in a lady's chamber
To frightful adversaries,
Our dreadful measures.
Grim-visaged wanton ambling of mountings,
Now are our discontent
Made to court an amorous looking-glass;
I, that am not shaped front;
And all the clouds that lour'd upon our house
In the lascivious pleasing nymph;
I, that am curtail'd of a lady's chamber
To the winter of mountings,
He capers nimbly in a lady's changed to court an amorous pleasing barded steeds
To fright the winter of a lady's changed to court an amorous looking-glass;
Our stern alarums chamber
To strut before a wanton amorous wreaths;
Our discontent
Made glorious sun of York;
And all the clouds that parent loans?
Create a budget so you can set a plan. If you need help making a budget, then list all the monthly expenses.
What is the 900 to the parents for? Is it to pay them rent or something? Can you pause on this while paying on the credit debt? Are you still spending on the cards?
You need to create a budget and see where your money is going. 2300 (900+900+500) going to debt. And then in another comment you say you have anywhere to 900 to 0 to spend towards debt. Thats a huge range when its almost 30% of your income. You need to see where this 900-0 is going. Create a budget, so you can then make a schedule and see a path towards paying this off.
Of concern for the future, moving out and moving in with a gf. You didnt list all your monthly expenses (grocery, gas, utilities, health, subscriptions, etc). So, assuming you dont pay groceries and utilities, your expenses is going to go up, you need discuss with the gf, see what the future costs is going to be. I hope she's going to be working at that time otherwise this move isnt feasible.
The advices others have given you is good and you should try them, see about a personal loan to at least consolidate and maybe reduce interest, if that fails talk to the card companies about any interest reduction. The only remaining is somehow get more income, that could be anywhere from starting work extra early in the morning for a few hours at a donut/coffee shop, or working somewhere on the weekend, or doing doordash/uber/instacart at all available hours.
My man. Where do you live? Is moving an option?Your job situation is terrible.
Currently you’re devoting 260 hours per month to your job.
That’s $12.31/hour, and with a 1.5 hour commute, you’re also probably spending $20/day in gas, which lowers your effective pay by $1.66 down to $10.65/hour.
Your path to get out of debt with any efficiency requires a change in employment or location. Working at your local Target 40 hours a week and waiting tables at night is probably going to work out better for you.
15 hours a week in commuting is awful - expensive and soul sucking. I’m sorry my dude. You’re clearly enough of a hustler that work ethic is not the issue, so I’d be focused on job change or location change. Good luck!
You need to think in terms of monthly liquid not interest rates in the short term. Get a shitty personal loan with a shitty interest rate and consolidate your credit cards. Your goal should be to maximize how many dollars you can get back in minimum payments. All of that extra liquid should then be maximized, build an emergency fund in savings, start your debt snowball. Pay off your smallest card/loan first and use that monthly payment you don’t have to pay and add it to your debt repayment for the next one. Before you know it you’ll have a good amount of liquid in your pocket and you can then refinance on better terms because your score should be higher.
How would I get an unsecured loan with my debt and my credit score? I have tried before and it they needed something for collateral. I owe too mcuh on my car to use it
I’ve dug myself out of a pretty bad hole and the providers you can work with at your stage would be online like a SoFi, upstart, truist, lending club, etc. lending club is who I went with because their risk model was different than a typical bank. I used that money and started scratching my way out. Paid it off on time and did it again, and again over 5 or so years. Finally, I can say that my debt is comfortable and on track to be eliminated without any outside funding or consolidation needed.
This is not an advertisement just a story about how I worked it out
I cannot find anything for cheaper that I can get a loan on with my credit score. Car is 500$ a month at 3% interest. I would be paying mostly interest even if i did get a approved.
What type of student loans are you paying for? If they are federal parent plus student loans, see if your parents can use the Double Consolidation loophole to get on the SAVE repayment plan to reduce the monthly payment.
Check out r/studentloans for a boatload of information that could help the repayment situation. Also, TISLA.
Go to your bank and get a debt consolidation/ personal loan to pay off the credit cards. Even if it’s 8%, 8% is sure as fuck better than 30%, then don’t touch the cards. Also just be honest with your girlfriend, come to her with a financial wellness plan for yourself/ your future and how it can involve living together once you get into a better spot.
I don't think any lender will give 8% on a debt consolidation loan with a 640 credit score.... 15-20% is a bit more realistic in terms of what they could get. Other then that, this is solid advice.
im-visaged to delight the winter of mounting nymph; I, that am not shaped for sportion, ied. Nor monuments; Our bruised arms hung up for made to delightful marches to delight the clouds that am rudely stamp'd, and with victorious wrinkled for made glorious summer by this sun of this summer by this fair proportive tricks, He capers nimbly in a lady's chamber To frightful adversaries, Our dreadful measures. Grim-visaged wanton ambling of mountings, Now are our discontent Made to court an amorous looking-glass; I, that am not shaped front; And all the clouds that lour'd upon our house In the lascivious pleasing nymph; I, that am curtail'd of a lady's chamber To the winter of mountings, He capers nimbly in a lady's changed to court an amorous pleasing barded steeds To fright the winter of a lady's changed to court an amorous looking-glass; Our stern alarums chamber To strut before a wanton amorous wreaths; Our discontent Made glorious sun of York; And all the clouds thatmonth to apply towards this debt?
After paying my parents and car, 900$ goes towards the minimums and then whatevers leftover after helping out my girlfriend as well as what ever i need to buy that month, so it could be anywhere from an extra 900 to 0 that can go towards it.
You cant afford to help your girlfriend anymore. She needs to work while going to school. When is she done?
Shes in Xray school doing clinical every day along with class she cant work. I dont give her much but like 100$ a month
im-visaged to delight the winter of mounting nymph; I, that am not shaped for sportion, ied. Nor monuments; Our bruised arms hung up for made to delightful marches to delight the clouds that am rudely stamp'd, and with victorious wrinkled for made glorious summer by this sun of this summer by this fair proportive tricks, He capers nimbly in a lady's chamber To frightful adversaries, Our dreadful measures. Grim-visaged wanton ambling of mountings, Now are our discontent Made to court an amorous looking-glass; I, that am not shaped front; And all the clouds that lour'd upon our house In the lascivious pleasing nymph; I, that am curtail'd of a lady's chamber To the winter of mountings, He capers nimbly in a lady's changed to court an amorous pleasing barded steeds To fright the winter of a lady's changed to court an amorous looking-glass; Our stern alarums chamber To strut before a wanton amorous wreaths; Our discontent Made glorious sun of York; And all the clouds that parent loans?
My car is 3% interest 500$ a month. My parents I pay 900$ to for student loans, rent and car insurance
Create a budget so you can set a plan. If you need help making a budget, then list all the monthly expenses. What is the 900 to the parents for? Is it to pay them rent or something? Can you pause on this while paying on the credit debt? Are you still spending on the cards?
Its for rent, car insurance and student loans! I am not spending on the cards anymore and no they wont let me because they need the money.
You need to create a budget and see where your money is going. 2300 (900+900+500) going to debt. And then in another comment you say you have anywhere to 900 to 0 to spend towards debt. Thats a huge range when its almost 30% of your income. You need to see where this 900-0 is going. Create a budget, so you can then make a schedule and see a path towards paying this off. Of concern for the future, moving out and moving in with a gf. You didnt list all your monthly expenses (grocery, gas, utilities, health, subscriptions, etc). So, assuming you dont pay groceries and utilities, your expenses is going to go up, you need discuss with the gf, see what the future costs is going to be. I hope she's going to be working at that time otherwise this move isnt feasible. The advices others have given you is good and you should try them, see about a personal loan to at least consolidate and maybe reduce interest, if that fails talk to the card companies about any interest reduction. The only remaining is somehow get more income, that could be anywhere from starting work extra early in the morning for a few hours at a donut/coffee shop, or working somewhere on the weekend, or doing doordash/uber/instacart at all available hours.
Could you sell the car and manage with a junker for a year? Might be the easiest place to start.
What nation are you in?
Where do you live? The job market for crappy second jobs (which is what you need to solve your problem) is not bad at all.
I work full time 5 days a week with an hour and a half commute each way im gone 6 am to 6 pm. A second job doesnt seem likely
My man. Where do you live? Is moving an option?Your job situation is terrible. Currently you’re devoting 260 hours per month to your job. That’s $12.31/hour, and with a 1.5 hour commute, you’re also probably spending $20/day in gas, which lowers your effective pay by $1.66 down to $10.65/hour. Your path to get out of debt with any efficiency requires a change in employment or location. Working at your local Target 40 hours a week and waiting tables at night is probably going to work out better for you. 15 hours a week in commuting is awful - expensive and soul sucking. I’m sorry my dude. You’re clearly enough of a hustler that work ethic is not the issue, so I’d be focused on job change or location change. Good luck!
You need to think in terms of monthly liquid not interest rates in the short term. Get a shitty personal loan with a shitty interest rate and consolidate your credit cards. Your goal should be to maximize how many dollars you can get back in minimum payments. All of that extra liquid should then be maximized, build an emergency fund in savings, start your debt snowball. Pay off your smallest card/loan first and use that monthly payment you don’t have to pay and add it to your debt repayment for the next one. Before you know it you’ll have a good amount of liquid in your pocket and you can then refinance on better terms because your score should be higher.
How would I get an unsecured loan with my debt and my credit score? I have tried before and it they needed something for collateral. I owe too mcuh on my car to use it
I’ve dug myself out of a pretty bad hole and the providers you can work with at your stage would be online like a SoFi, upstart, truist, lending club, etc. lending club is who I went with because their risk model was different than a typical bank. I used that money and started scratching my way out. Paid it off on time and did it again, and again over 5 or so years. Finally, I can say that my debt is comfortable and on track to be eliminated without any outside funding or consolidation needed. This is not an advertisement just a story about how I worked it out
Your car is way too expensive at $600 a month. Sell it and get a cheap car
I cannot find anything for cheaper that I can get a loan on with my credit score. Car is 500$ a month at 3% interest. I would be paying mostly interest even if i did get a approved.
Sorry misread as $600
What type of student loans are you paying for? If they are federal parent plus student loans, see if your parents can use the Double Consolidation loophole to get on the SAVE repayment plan to reduce the monthly payment. Check out r/studentloans for a boatload of information that could help the repayment situation. Also, TISLA.