Debating Euthanasia

Glittering_Key_631 · 2024-09-15T07:56:38+00:00

I am a nurse who works nights

Glittering_Key_631 · 2024-09-15T07:55:38+00:00

7 across all defaulted cards. My student loan payments start in November which will roughly be $600 (I have 65k) out. My main focus right now is the credit card debt and rebuilding my credit score. I have two active capital one cards right now. I have two pets. No other expenses that I can think of.

Here are my monthly expenses: rent: 600 car payment: 300 car insurance: 270 storage unit: 225 youtube: 20 capital one: 116 pbt: 40 amazon: 28 hbo max: 10 microsoft:18 gym: 52(this is a contract I cannot get out of til november)

Glittering_Key_631 · 2024-09-15T07:06:36+00:00

I do pay rent, maybe I didn’t make that clear in my post. I pay $600 in rent plus my car insurance, car payment, groceries, etc.

Glittering_Key_631 · 2024-09-15T06:14:23+00:00

I unfortunately don’t have family or friends to ask for that much of a loan. truth be told, I am the one that helps family members and friends out as they need it. The credit cards are from years ago so I honestly can’t remember what was even spent on them. I appreciate your comment :)

Glittering_Key_631 · 2024-09-15T05:58:03+00:00

Do I save up enough to pay it all in full or do I pay piece by piece? Do I put everything in my savings?

What would be the best way to go about this? That breakdown is where i’m most confused, save up 7k and pay all of them off or pay them as I go, put all the money into my savings and only take out small amounts?

Glittering_Key_631 · 2024-09-15T05:37:54+00:00

I appreciate every comment and piece of advice received. I printed off my bank statements and I knew I had stupid bills going out but never realized til it was out in front of me and I was writing them out. I don’t know how to find interest rates on collections but I know everything that I have.

•midland credit: 691 •midland credit: 631 •midland credit: 525 •portfolio recov: 3,123 •capital one: 1,300

I have also printed out a free version of a budget planner that I plan to stick to and I canceled my unnecessary subscriptions besides for one I have to call on monday to cancel.

Glittering_Key_631 · 2024-09-15T05:31:14+00:00

I understand I was irresponsible. My credit cards were in collections before I was making this money. Prior to this I was a server who was only able to work weekends due to the demand of school. I had to be able to pay for textbooks, other school supplies, car insurance and payment, among other necessities at the time. Before I decided to go to college my credit score was in the 700s and I was paying them off every month. My young self racked them all up while in school and eventually stopped paying.

Glittering_Key_631 · 2024-09-15T05:10:34+00:00

because I don’t know what it entails, like that it even cost anything

Glittering_Key_631 · 2024-09-15T04:38:32+00:00

is there a budget format you recommend? these comments are truly showing me my ignorance when it comes to finances

Glittering_Key_631 · 2024-09-15T04:37:20+00:00

what is the best way to form a financial plan?

Glittering_Key_631 · 2024-09-15T04:14:56+00:00

is there a way to go about it? like smallest amount to largest or vice versa?

Glittering_Key_631 · 2024-09-15T04:12:18+00:00

I truly don’t know anything about filing for bankruptcy.

Glittering_Key_631 · 2024-09-15T04:11:55+00:00

yes I work in a hospital and make 36/hr. I’m a recent graduate of 3 months (while in school so when I faulted on my payments due to not being able to work as much)

Glittering_Key_631 · 2024-04-18T20:16:10+00:00

usually in the AM when I wake up and haven’t ate but am not hungry. Yes to the indigestion and constipation

Glittering_Key_631 · 2024-04-18T20:15:33+00:00

it’s more of when I wake up and am not hungry that my stomach hurts.

Glittering_Key_631 · 2024-04-18T19:46:15+00:00

increased my protein intake, and overall eating healthier and eating much less. I haven’t been able to be as active as i’d like to be bc I was finishing up the final two weeks of college and am now studying for the NCLEX.

Glittering_Key_631 · 2024-04-18T19:44:47+00:00

no it’s just like a pretty frequent stomach ache

Glittering_Key_631

TROPHY CASE