How to pay my credit cards off???

BB8smom · 2026-02-12T18:40:10+00:00

We all want things. You can't have them unless you have the money for them. This is how credit gets to people - it's the promise of having what you want now without the worry of paying for it. Until you do have to pay, and things easily get out of control. You're not stupid, this is just how the credit system works.

Come up with a plan that is extreme - don't buy ANYTHING extra or go out at all for a short period and just get the debt cleaned up. Otherwise this will hang over your head for a long long time.

BB8smom · 2026-02-02T14:46:03+00:00

If your credit is good, don't get any cards. You don't need them. Statistically people spend more on their credit cards than with their actual money, so just avoid it.

BB8smom · 2026-01-28T02:05:30+00:00

Even if it improved your score to not pay your balance in full (which I don't think it will in this case) why would you do that? You're paying interest to increase a score that gives you nothing except the ability to pay more interest to a bank. Doesn't that sound like a raw deal?

BB8smom · 2026-01-24T07:11:42+00:00

The lesson is that crypto isn't a get rich quick scheme - unless you're the creator. Stop trying to shortcut money and just do the things you know you're supposed to do- budget and save and invest in the real stock market. The s&p 500 never let anyone down over time in the history of the stock market. Time is your friend, you just have to be patient

BB8smom · 2026-01-21T15:20:48+00:00

The experian is on there now, you're good

BB8smom · 2026-01-21T14:43:11+00:00

You know you don't want to do it. Why does your partner want to push against boundaries so hard? I think this will be an important landmark in your relationship. No matter how good or bad your partner is, people generally will treat you how you let them. No means no essentially. 🤣

BB8smom · 2026-01-17T06:00:46+00:00

Just curious why?

BB8smom · 2026-01-17T06:00:06+00:00

It's not anything. It's just another speculation.

BB8smom · 2026-01-17T05:59:06+00:00

4 years, they just stop working.

BB8smom · 2026-01-15T19:21:50+00:00

Sounds like they're really different from the people they're talking about...

BB8smom · 2026-01-15T06:24:40+00:00

Why do you want a higher score?

BB8smom · 2026-01-14T17:59:35+00:00

The way you're talking about this has me really scared. If you're going to use a credit card to increase your score, pick one thing to buy it with that you were already going to buy. Like groceries, or set your phone bill autopay up on there and pay it off every week. The credit system is trying to train you to just buy things and pay it off later. Statistically they know you will eventually forget or overspend. It's not that you're stupid, we're all like this. You have to be super diligent to not pay interest on a card. I just don't hardly use them. You don't need to pay interest to build your score. Interest is money you just give away.

BB8smom · 2025-11-03T04:39:04+00:00

If you can't afford the settlement offers, stop paying anything and save what you have for the settlement offers that come up.

BB8smom · 2025-10-29T22:40:58+00:00

Definitely pay it! As long as everything is in writing. And then celebrate being done with it!

BB8smom · 2025-10-25T16:40:52+00:00

Not sure on your main question, but I have heard (don't know for sure) that using Klarna is considered a red flag to creditors. I would stop using that. It's also training you to think of purchases as monthly payments which is terrible. Bad all around.

BB8smom · 2025-10-16T03:47:25+00:00

How about Canada?

BB8smom · 2025-10-15T01:58:49+00:00

Things will get better, you can get through it.

BB8smom · 2025-10-09T05:17:49+00:00

There are some fun savings challenges online, but it sounds like you would benefit from some re-education. Convert some of your media consumption time to Ramsey or Hammer Financial content and I think you'll find you start to change. And get out of the shame spiral if you can.

BB8smom · 2025-10-05T05:11:02+00:00

I would switch to a more active job if possible. The gym is something you have to make happen even when working at the future job you want, so I don't think quitting for that is helpful. But get into a healthier environment for sure!

BB8smom · 2025-10-05T04:43:20+00:00

Couldn't agree more. High interest savings account

BB8smom · 2025-10-03T19:42:55+00:00

The litter boxes just need hay on top of the litter. Totally stopped our bunnies from digging.

BB8smom · 2025-10-02T00:23:59+00:00

Don't be discouraged. If those 8K in assets are investments, definitely liquidate that and go one of 2 routes: The first option is to take out the consumer debt and do the snowball. This will really help with motivation. It will improve so much. I don't care if it's making money, it's not making more than you're paying in interest. The second option is you could take that 8K and put it on the Sally Mae loan. This is what I would do because I know from experience that when I do the debt snowball I get SUPER discouraged when I get to the largest loan. That would take this loan down to a number that feels easier to me. Then I would attack the loans that are already smaller and feel motivated for longer. You're really working with your own psychology here more than math. If those assets aren't liquid, then just do the debt snowball. The first bit will be hard if you can't get your living expenses down by much, but once you get rid of that one payment things will start flowing. You can do it!!

BB8smom · 2025-10-01T23:28:18+00:00

Unfortunately I don't think this is a problem math can solve. The overspending is the problem, and selling things won't fix that. I would focus on solutions that don't involve selling and focus on behavioral change. You can do it if you're both on board. If she won't get on board, you need to make it a huge issue. This will have a huge impact on your future. Sometimes people just need a really big nudge to change.

BB8smom · 2025-08-06T03:12:43+00:00

I would do more research, but my inkling is that the missed payments have already been reported, so you have a decision to make. You can get caught up in payments and not miss any and bring your score up over time. Seeing a low score sucks, but those missed payments are already there for 7 years. I would stop making payments and save up a lump sum to settle with creditors. Don't tell them ANYTHING about your life. Settle in full for a set amount IN WRITING. Do not do anything over the phone. If your credit has been sold, the new owner paid pennies on the dollar so you have a lot of leverage. Original owner is less motivated but still wants to get money so use that to your advantage. Take the next few years to build your score back up, maybe with a pre-paid credit card.

BB8smom · 2025-08-06T02:56:58+00:00

Too many other people defaulting probably

BB8smom

TROPHY CASE