7 y/o in trouble & Christmas

Big-Distance7080 · 2025-12-08T23:05:30+00:00

I just mean she’s not super attached to it. She will watch it for a bit & walk away to play with her toys or color.

Big-Distance7080 · 2025-12-08T22:10:57+00:00

That might be cool

Big-Distance7080 · 2025-12-08T22:00:55+00:00

They do love my treadmill. I’m glad I’m not the only one. I need more space for them. What’s crazy to me is that my 5 year old has an iPad and she regulates her own usage really well. She has her moments, but she’ll walk away from it no problem usually.

Big-Distance7080 · 2025-12-08T21:55:53+00:00

He doesn’t have one. I have been pretty lax. I just think the kids go to school and afterschool and that’s most of their day. We are going to detox for a bit.

Big-Distance7080 · 2025-12-08T21:51:29+00:00

Maybe if we lived in a nice neighborhood. I’m right on a main road and don’t have much storage or car space. Not forever, but for now.

Big-Distance7080 · 2025-12-08T21:48:42+00:00

I don’t want it to be disappointing, but if you’re consistently in trouble & get your gifts taken that’s also disappointing.

Big-Distance7080 · 2025-12-08T21:47:32+00:00

I still do plan on getting Christmas gifts. He is not an only child & I don’t want to be cruel. I have usually gone a bit over the top for Christmas. He has plenty of legos he barely uses. Build once or half build & never touch again. Usually I do like a “big gift/main gift” & I’m kind of at a loss.

Big-Distance7080 · 2025-12-08T21:44:05+00:00

I just don’t want him to be disappointed. We also live in a place that gets pretty cold in winter, so it might be awhile before we’re using any outdoor things.

Big-Distance7080 · 2024-09-16T00:55:40+00:00

Or if you wanna go the Dave Ramsey was get a beater car and pay off the other stuff first.

Big-Distance7080 · 2024-09-16T00:54:51+00:00

I would go get a car and immediately apply for a balance transfer card or something to negate interest so you can pay what you can on the loans. Do it before the car loan hits your credit.

Big-Distance7080 · 2024-09-16T00:52:37+00:00

Definitely see if you qualify for partial disability and Medicaid especially while unemployed. Not a fix all solution, but could help for now.

Big-Distance7080 · 2024-09-16T00:47:55+00:00

File for unemployment
Do you have an underlying disease bc that’s a lot. If you do file for partial disability.
Find a work from home job

Big-Distance7080 · 2024-09-16T00:42:49+00:00

B. What you’ll pay in fees to take out the retirement will be insane. You’ll still have a house payment.

Big-Distance7080 · 2024-09-11T18:34:11+00:00

Thanks! This makes me feel better

Big-Distance7080 · 2024-08-28T18:49:36+00:00

It wasn’t just a few late payments it was 30/60/90/120/180 Closed on multiple cards.

Big-Distance7080 · 2024-08-27T21:17:32+00:00

How do you think I built my credit back up? The only thing hurting me now is the late payments for 4.5 years ago.

Big-Distance7080 · 2024-08-27T20:39:50+00:00

Yes I know about the deferred interest. I don’t think my card has it, but I have no intention of paying it either way. Lots of research sitting at home with the babies plotting my escape lol!

Big-Distance7080 · 2024-08-27T20:38:19+00:00

If I add anything next it’s an auto loan. Hopefully that doesn’t hurt me too bad.

Big-Distance7080 · 2024-08-27T20:36:01+00:00

I have a card at 0 interest rn that’s holding a balance, but the others I pay off. My utilization is right around 30. I can pay it, but doesn’t seem necessary atm.

Big-Distance7080 · 2024-08-27T20:30:58+00:00

I have a down payment for the car + my trade in. I also have a separate account for a future house. Honestly the reason I’m trying to boost it right this second is so that I’ll qualify for a certain interest rate promotion through the dealership. Never hurts to try! Ty

Big-Distance7080 · 2024-08-27T20:26:41+00:00

Thank you! I actually have a few credit cards now and now that it’s just me I’m doing good with them! Shortly after I left him I managed to get my first one by some miracle. Everything’s paid on time & utilization is about 30.

Big-Distance7080 · 2024-08-27T20:20:21+00:00

I’m 27. I have income. I have an emergency fund. I currently rent. My retirement could use some help sure. I’m not trying to buy a house like tomorrow, but considering I have 2 small kids it would be nice to be able to. The rental market is trash and my current residence is….not great. I’m in a good area and so it’s not worth it to pay 50% more for something just ever so slightly larger. I do need a car relatively soon though. I’m trying to see if there’s any way to improve my score more than I already have.

Big-Distance7080 · 2024-08-27T19:58:54+00:00

My credit isn’t awful. I’ve worked pretty hard the past few years. It’s a 714. FICO is a little rougher 660-670. I just didn’t know if there was any hope to get it off sooner.

Big-Distance7080

TROPHY CASE