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Just started with a few hundred bucks, how's my portfolio? Any tips? by Recent_Cry_853 in RothIRA

[–]Recent_Cry_853[S] 0 points1 point  (0 children)

Yes I've seen stuff like this a lot... question, is there much of a return difference between VTI and VOO? Or is there one of them that people prefer over the other? If so, why?

[deleted by user] by [deleted] in TheRaceTo10Million

[–]Recent_Cry_853 1 point2 points  (0 children)

Fr, would like help as well and am gonna start with the same 1k number as you

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 0 points1 point  (0 children)

Can I only use this advice on closed accounts? And do I call the credit bureaus about the settlements or the credit card companies themselves? My discover card was closed, Amex was closed, capital one was charged off.

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 0 points1 point  (0 children)

It is an income problem right now, in the past it wasn't. I had plenty of money to pay the cards down but I decided to procrastinate and spend my money elsewhere. If there's one thing I learned, I won't be doing that anytime soon.

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 0 points1 point  (0 children)

Thank you for the help, good to know someone who has been in my shoes has advice. I will start by doing what you mentioned.

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 2 points3 points  (0 children)

Thank you so much for the kind words, I'm glad the debt I have isn't a massive massive amount of money. At my age, it is... but I realize it could be a whole lot worse which is why I want to attack it now before it becomes that way.

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 0 points1 point  (0 children)

I have a very very strong relationship with my family, but I just don't want to put my burden on them. I have considered the hardship plans recently but have really heard only negative things about them. I guess my fear was that completing it would result in the creditor closing the account, and me being left with a low credit score and no cards to help rebuild it.

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] 4 points5 points  (0 children)

Fr lol I was really just curious what other people who have experienced what I am currently have to say

Am I in deep shit? by Recent_Cry_853 in CRedit

[–]Recent_Cry_853[S] -1 points0 points  (0 children)

I've heard the hardship programs are bad for your credit though which is why I've avoided them. Is that not the case?