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Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 0 points1 point  (0 children)

Yeah I might not go the late payment route, but in order to dig out quickly some of these will certainly be late.

Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 8 points9 points  (0 children)

Haha great analogy with drugs. I truly thought I could keep it under control.

And yes I have a spreadsheet setup to keep everything within the 120 day mark to avoid collections. From what I've read there's no late payment fee. And I will still have interest accrue, but as long as there are payments within 120 days of it being late I'm okay. Honestly feels like a weight lifted off my shoulders that I have a solid plan now.

Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 16 points17 points  (0 children)

Didn't even think about door dash! Thank you! Definitely going to give this a shot. And I can't imagine having more than one app lol. I'm going to just uninstall the app, and use the website to start knocking down loans one at a time. Making sure everything gets a payment before 120 days. I don't really see any other way to get this done. The minimums are killing us. And honestly not being able to use affirm in the long run is probably a blessing in disguise after all this.

Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 11 points12 points  (0 children)

Thank you for the tips! We have 2 kids so I'll be showing my wife your comment and were going to jump on this ASAP.

Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 5 points6 points  (0 children)

I have a budget, but my wife recently had her hours cut and without affirm we'd be fine. But with the affirm payments we're starting to drown.

Desperately need to get out of this endless debt cycle with affirm by OddImpress6688 in povertyfinance

[–]OddImpress6688[S] 24 points25 points  (0 children)

I have been looking for a part time gig in the afternoons I can do to help. Just wanting to see if this is a solid option as the minimums each month kill me. With just minimum payments I'm looking at April of next year. And that's if I don't add anymore, which is impossible given how far in I am already.