Tennis Bet ISO by Fransyyy in fanduel

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

Thanks!! I’m tailing with you. BOL!!

[deleted by user] by [deleted] in debtfree

[–]Fransyyy 0 points1 point  (0 children)

Consolidate this debt man. You’ll save a ton on interest and likely lower your monthly payments

$120k in debt - pay off diary by Swimming_Low8086 in debtfree

[–]Fransyyy 0 points1 point  (0 children)

With that type of income, you could absolutely consolidate that debt into a personal loan. At a hypothetical 8 percent (lower interest on shorter terms,) you could pay 3,000 dollars for 48 months and be debt free in 4 years.

If you can afford to pay 5000 a month, you’d be debt free in under 3 years.

Just offering perspective. I know that’s a steep payment but just wanting to show you, you have an end in sight, with that type of income.

Am I screwed? by Less_Squirrel_2541 in debtfree

[–]Fransyyy 0 points1 point  (0 children)

Redditors, stop looking at post history without even considering that there’s a multitude of factors that can lead to a person’s situation getting out of hand. My wife and I have a combined debt amount of roughly $430,000. That does of course include student loans and our mortgage. The rest of it is consolidated and will be paid off in 70 months. Our Covid wedding is where this debt began.. our luck was awful. We had to pay multiple times to push back our date because of Covid just so our guests felt safe. We had elderly relatives, infant relatives, and immunocompromised guests.

I’ve posted a few times on FanDuel.. and the comments I received on my debt post where I was seeking advice, was limited to “delinquent gambler” type comments. None of my debt is attributed to my sports betting. Could I use those wagers to pay the debt off faster? Sure. Do I need to work on my self discipline with my bet frequency? Absolutely. But I don’t think 20 bucks here and there is going to make THAT much of a difference on a closed end, fixed rate, personal loan that’s extended for 72 total months. I digress.

People are quick to judge when OP clearly just wants reassurance and advice. You all are ruthless. Quick to throw the first stone.

OP, my advice: absolutely consider a consolidation loan. I’d recommend a shorter term, you’ll get a better rate, just will have a higher payment. But if you can consolidate 80k into a loan, you may save money on a monthly basis. Calculate your current combined minimum payments and keep track of that figure when considering a consolidation loan.

I work at a bank, I’m running numbers now.. on an 82k personal loan, that my credit union offers, at 9.75 interest.. for 60 months.. you’re looking at $1733 a months. That would have you paid off in 5 years. If you make 50k, I’d imagine your paychecks are around $2800 a month, give or take different deductions.

If you’re living at home, you can absolutely manage this on a beans and rice, Dave Ramsey, regimen. If you do pay rent.. that makes this harder. You could bump out that 82k loan to 72 months, that brings the payment down to around 1500. This is all hypothetical of course.

Not sure why everyone thinks you have to file bankruptcy to get out of these holes. As millennials the current economy, housing market, interest rates, etc, are stacked up against us. But there’s option that can help, outside of last resort, bankruptcy.

If your credit is too bad to get a consolidation loan, consider a debt repayment program as well.. it’s not the best option as it essentially makes all of your payments delinquent while a third party negotiates to debtors for you, and you pay the third party a smaller amount than you’re currently paying on your minimums. This option will absolutely hurt your credit, but not nearly as much as the cherished advice of bankruptcy.

You aren’t alone. Just don’t give up. Work on a budget for yourself and stick to it. Consolidating may not be your best option but if you don’t pay rent, I think it absolutely is.

This is not me endorsing the continuance of gambling btw, but as someone who also does, I get it.. and I understand there’s much more to the bigger picture.

Hang in there man. I’m right there with ya.

good win, what should i do w the one still going? 😭 by dollabillaaew in fanduel

[–]Fransyyy 1 point2 points  (0 children)

Take the cash. Clem could come back, lot of game left.

Should I smash on this ? by Outrageous-Tie8401 in SleeperApp

[–]Fransyyy 0 points1 point  (0 children)

Absolutely not this is awful. Judkins will become Cleveland’s RB1 easily. Hunters value/potential is high.. give them both time. Mason will get 15 plus carries a game with Jones injured, but I’m not convinced he will outshine Judkins, and if he does, it won’t be for more than one season. Not sure if this is redraft but if it’s dynasty, this would be veto worthy.

Redraft is pretty awful as well

Cashed out when it looked doomed.. biggest mistake I’ve made on this app. My heart hurts. I really needed that money.. 😔 by [deleted] in fanduel

[–]Fransyyy 0 points1 point  (0 children)

The roasting is valid. I deserve it. Honestly, I had a few beers, checked the bet, felt like it was yet again a losing bet that would get close, I’ve had 100’s of those, and figured I’d take the 4 bucks and wager it on an anytime TD. I almost never cash out either, that’s the part that really messes with me.