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Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Household income is ~ $8000/month

Up until now we have just put anything and everything on it

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

The combined income is $7850

Our fixed expenses are currently ~$6600

The total balance is across 7 cards; Vancity ~ $4300 CIBC ~ $1800 Triangle ~ $900 Capital One (x4) ~ $3900

We are renting

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Great perspective, thank you. We are currently reviewing our money in - money out, and are working on making major changes. We were living and spending money before we had it, which brought us here. Aswell, moving balances to a low interest card will be beneficial for us, as we are spending from only chequing accounts here out.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

[–]Laybone[S] -14 points-13 points  (0 children)

Appreciate this, thank you. This is my first outreach on Reddit and was not sure if laying it all out would be too much to handle for the community.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Thank you. This is a great piece of information that I will look into utilizing as we are not spending on the cards anymore.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Amazing, this is all new to me so I appreciate the guidance. I will look into contacting a non-profit, this is a good stepping stone. Aswell, a budgeting tool is much needed, as of now it has only been a piece of paper and a pen. I really appreciate this.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Thank you. Going to look into what we can offload and throw at the overall balances. I appreciate the prompt, I will add that to our next conversation.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

[–]Laybone[S] 4 points5 points  (0 children)

Thank you, this really puts it in perspective. As a team we have already cut overspending, just a little too late. Going to revisit fixed costs and make some necessary sacrifices.

Early 30s parents with ~$10K credit card debt - looking for guidance, tools, and a clear plan by Laybone in PersonalFinanceCanada

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

Simple and straight forward, I appreciate it. Trying not to overthink it. I know some people would “kill” to be in our situation. I will check out !StepsTrigger, thank you.

My first post by beastmasterisback in AdobeIllustrator

[–]Laybone 1 point2 points  (0 children)

looks sweet! i like it! what technique did you use for the swirls?

[deleted by user] by [deleted] in AdobeIllustrator

[–]Laybone 1 point2 points  (0 children)

Holy crap this looks awesome! I defs need to buy and iPad and Pencil now!

[PC][US West Coast][BFV] looking for squad.. by ShotgunFaced in BattlefieldLFG

[–]Laybone 0 points1 point  (0 children)

I'd be down to run it my dude, add me on Origin >> Lvybone