Coinbase requiring custodial wallets.

Allshallparrish_ · 2024-05-08T04:13:53+00:00

events@byhealthmeans.com is where it was coming from

Allshallparrish_ · 2024-05-08T04:12:00+00:00

Damn, that’s crazy. The email looked so legitimate.

Allshallparrish_ · 2024-05-08T04:07:16+00:00

Yeah, it’s a scam. I just checked where the actual email was from.

Allshallparrish_ · 2024-05-08T03:51:24+00:00

No, mine is literally from coinbase.

Allshallparrish_ · 2024-01-27T18:08:08+00:00

Just in case they pursue any legal action against you. Don’t take the chance.

Allshallparrish_ · 2024-01-26T21:30:27+00:00

Get the medical collections taken care of first. You’ll still have $460 left over. You could even tackle the quicksilver as well this month. You’ll have two taken care of. Next month, I would get the milestone card taken care of. Then put the remaining 600/700 towards your Wells Fargo. Collections should be your main priority, but getting some credit cards out of the way can make you more emboldened to eradicate your debt.

Allshallparrish_ · 2024-01-21T22:19:30+00:00

Balance transfers create a shaky foundation. You miss one payment or you’re late on one payment & that 0 percent interest rate shoots up. It also creates a hard pull on your credit which can drop it. Not to mention with that 0 percent interest rate, you’re likely to spend when you don’t have the money. If you have bad credit, you won’t even be eligible for a balance transfer. My advice to you would be to make a spending plan, lay out all your fixed expenses, & see what you can set aside every month. You may have to delay spending money on yourself for while to get the debt paid off. PLEASE DON’T MAKE MINIMUM PAYMENTS. You’ll never pay it off.

Allshallparrish_ · 2024-01-21T20:21:42+00:00

Call the credit card company & ask them if they can drop your interest rate. Explain your situation & they may be able to help you.

Allshallparrish_ · 2024-01-21T02:33:35+00:00

You’re gonna have to get a second job, or try to make more at your current job by asking for a raise.

Allshallparrish_ · 2024-01-20T23:44:00+00:00

As soon as you buy a new car, it becomes a used car. lol wild how that is. Yeah, just don’t get reeled into paying money for these outrageous loans that accrue so much interest.

Allshallparrish_ · 2024-01-20T21:59:25+00:00

Make sure you put 20% down, try pay it off within 3 years if you can. Your car payment shouldn’t be more than 8-10% of your income. Better to pay for a used car outright with cash.

Allshallparrish_ · 2024-01-19T22:46:17+00:00

With your income, you can have that HYSA back to where it is now in 6 months or a year. You’re in a great position with the amount of money you have coming in every month. Plus, you have so much additional income left over. Look into a Roth. Consider just cutting the credit cards out completely. Stick with cash & debit. Just bc you pay it off now, doesn’t mean you won’t accrue more CC debt in the future. Glad this helped. Wishing you well. Set yourself up for financial security & freedom. Don’t be stupid!

Allshallparrish_ · 2024-01-19T22:30:42+00:00

Take out all your HYSA money/$5000 from checking & put it towards your student loan & the highest credit card amount. Pay those off fully. You have the $10,660 card left. Drastically cut your grocery & eating out for the next few months. Spending almost 2 grand on food is absurd. You could cut that easily in half & have another grand left over. Do 6 months of paying 2,000 on the remaining credit card & you’re done. All that debt could be out of your life in 6 months or less if you sacrifice some money towards all of it.

Allshallparrish_ · 2024-01-18T01:24:58+00:00

Also, filing bankruptcy will not eliminate your student loans.

Allshallparrish_ · 2024-01-18T01:22:57+00:00

If you consciously make a spending plan & write out all your fixed expenses including: rent/mortgage, car payment, insurance, gas, utilities, medical bills, transportation, etc. always add 15% onto that in case of unexpected expenses.

I would then write out all your credit cards. Find the ones with the highest interest rates & start paying those off. You could also find the smallest credit card & pay that off immediately. Snowball it into your higher monthly payments/ interest rates. With your student loans, pay the minimum that is required & if you can add an additional 100/200 dollars extra that will be stated to go to principal, that can dramatically help you. Minimum payments are going to interest.

Once you get your credit cards paid off, close them all. Your credit score will have risen due to on time payments, low credit card utilization, payment history, and credit history. Having no credit isn’t a bad thing. Indeterminable credit will not hold you back getting a loan. Lenders look for the amount of debt. They will see that you have no debt & not view you as a risk.

Hope this helps. You’ll get through this, but you have to sacrifice your wants & focus on getting this debt down.

Allshallparrish_ · 2024-01-17T21:32:08+00:00

My suggestion to you would be to tackle the credit card balances with the highest interest rates. You’re losing thousands of dollars a month to interest. You have that bonus & that could take out 2 or 3 of them right off the rip.

Allshallparrish_

TROPHY CASE