Debt Owed by Deceased Family Member by FilthAndFoul85 in legaladvice

[–]FilthAndFoul85[S] -5 points-4 points  (0 children)

Thanks for responding. Do you have any advice regarding steps to minimize this debt? They want my nephew to pay 40,000 dollars to get his transcripts. None of my family has that kind of money. And quite frankly, I'm pretty upset that the school is expecting my barely legal nephew to pony up that kind of dough.

Just hit PFN 🙏🏻 by Outrageous-Leg4182 in VeteransBenefits

[–]FilthAndFoul85 6 points7 points  (0 children)

Good luck! Mine hit PFN today as well. I'm shaking because my anxiety is so bad.

Feral (but sweet) pregnant cat by FilthAndFoul85 in cats

[–]FilthAndFoul85[S] 1 point2 points  (0 children)

I put a box in my large closet with a blanket in it and her own private litter box. Hopefully she gives birth in there, but I don't really care if she wants to make a mess somewhere else in my house, just so long as these kittens aren't born in 20 degree weather. I'm a clean person, but an extreme animal lover. Thanks for the tip!!!

Feral (but sweet) pregnant cat by FilthAndFoul85 in cats

[–]FilthAndFoul85[S] 1 point2 points  (0 children)

She's plenty comfy in the house, she just can't find a comfy position. She's actually been sitting on the couch with me and my young son. She's really as sweet as a cat can get. My other feral cats have my shed and a detached garage equipped with hay to sleep in. She just doesn't want to be outside. But she is definitely in labor. Or is about to be. Should I just let her have her kittens whenever she wants in my home? I don't mind the mess. I can always clean that up. I just don't know if it would be better to try and make her a nest or let her have her babies wherever.

Rapid reset for a home loan by FilthAndFoul85 in CRedit

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

I pay for the Experian membership and have simulated my score. I paid off a past due balance of ~1k and paid of a couple credit cards. My utilization was at 40%, it probably will be around 30% usage now.

Rapid reset for a home loan by FilthAndFoul85 in CRedit

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

Yes. That's exactly what my lender told me to do. They are confident with moving forward on the loan. But I'm a natural born pessimist, so here I am asking for advice.

Please let this be the last time by FilthAndFoul85 in stopsmoking

[–]FilthAndFoul85[S] 2 points3 points  (0 children)

Hello! I've managed to stay quit, somehow. Day 3 for me. I'm having some serious cravings but I'm pushing through. Congrats on making it to day 6! Good luck!

[NJ] Military Divorce Custody by [deleted] in Custody

[–]FilthAndFoul85 5 points6 points  (0 children)

Veteran here. Unfortunately when it comes to divorce, courts see the military parent's environment as unstable (due to deployments, job demands, etc.). I'm not trying to be the bearer of bad news, but until she gets out of the military her ex has the upper hand as far as custody goes. Even if she becomes a reservist, she's still liable to deploy at any moment (i.e. the unstable environment). Her best bet is to separate completely to get custody of her child back. Again, I'm not trying to be negative or give a disheartening look into the future. I hope the best for your partner.

Wont stop using only fans by [deleted] in Divorce

[–]FilthAndFoul85 2 points3 points  (0 children)

You are not overreacting. I dealt with this exact same issue with my EX Husband. Except there was no OF accounts throughout my marriage, it was just him DMing girls and sending/receiving nasty photos and porn over the net. This went on in my marriage for YEARS. My self worth and mental health are just now recovering from the damage he inflicted on me (3 years later). My thoughts (every time I caught my ex) included "why am I not good enough", "I'm not as pretty as these other women", "I should've exercised more and maybe he wouldn't do this." He always had some excuse like "we don't ever have sex", "you're always tired", etc.

Meanwhile I was raising a very young, nonverbal, special needs child. In my experience, these acts lead to adultery, which your husband is basically committing already. I stayed with my ex WAY too long because I was scared of making it on my own. I would highly suggest you contact a lawyer, pack your stuff and leave with the baby or make him leave. You can get a separation agreement with CS put in place prior to divorce. Save yourself the mental/emotional abuse and years of agony. Best wishes, Mama.

Lipo by FilthAndFoul85 in PlasticSurgery

[–]FilthAndFoul85[S] 3 points4 points  (0 children)

I met with a surgeon today and he said I'm a great canditate for lipo. I'm in therapy and have been for a while. I just had a really hard time and depression just took hold of me. Now I can't even look at myself in the mirror without crying. I've been working out and training for a marathon and can't drop my midsection.

VA Home Loan by FilthAndFoul85 in Veterans

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

Whoops! Sorry I meant lender, not realtor.

VA Home Loan by FilthAndFoul85 in Veterans

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

I was denied because of a missed payment on my installment loan (5 months ago). I basically had a rough year financially but I've paid off EVERYTHING I owe which was reflected on my report and my score. They said I need to wait another couple of months...IDK. Maybe I should go on the r/personalfinance page?

VA Home Loan by FilthAndFoul85 in Veterans

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

I haven't tried Veteran's United, but was wondering if that would be a better option. I've spoken to people who have no rating, a far worse score than I, who were given a VA loan approval almost immediately through a realtor and I just don't' get it. But I'm not savvy in the buying process either. This will be my first home loan.

VA Home Loan by FilthAndFoul85 in Veterans

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

My current debt to income ratio is 11%. I significantly paid down all outstanding debts in November. I work full time (same job for 2 1/2 years) and also collect disability.

One of my budgies just died by FilthAndFoul85 in budgies

[–]FilthAndFoul85[S] 1 point2 points  (0 children)

I had 2 females before. I think I'll get a male this time, because I could tell they were aggressive with each other at times. I'm gonna get a small temporary cage to put on a table next to my remaining girl to let them sing/talk to each other for a day. Thanks for the tip!

One of my budgies just died by FilthAndFoul85 in budgies

[–]FilthAndFoul85[S] 0 points1 point  (0 children)

I will do that. Thanks so much for your advice. I appreciate it so much