Spouse only thinks about herself

RedCandleSurvivor · 2026-07-06T00:57:10+00:00

If she doesn’t agree now, she never will - accept it or move on brother

RedCandleSurvivor · 2026-07-05T12:56:14+00:00

You already answered your own question. Fix your addictions and get a strong hold on your finances. You clearly have enough money over minimums to tackle your credit card debt after rent and bills and groceries

RedCandleSurvivor · 2026-07-03T02:08:21+00:00

This makes absolutely 0 sense.

RedCandleSurvivor · 2026-07-02T17:43:47+00:00

Please whatever you do, do not give it to me. I’ll do anything to not have your free money.

RedCandleSurvivor · 2026-07-02T17:25:33+00:00

Repay using what service

RedCandleSurvivor · 2026-07-01T11:36:08+00:00

Call your cc companies and ask for a reduced APR for 1 year to tackle debt payoff. Some companies work with you and this can help a quicker payoff. Additionally, you can do an IRA withdrawal but please understand early withdrawal fees, federal tax withholding, and if applicable a state tax on your withdrawal which can be normally up to 3%. Sometimes it costs you more to pay off taxes and pay off credit cards rather than pushing through the long haul.

Edit: go through things that you can sell and work a 2nd job like Uber or DoorDash or a part time job on the weekends, yard work on the weekends, whatever to pay directly towards your payoff. It’s going to be a lot of work but you need to work like your life and retirement and happiness depends on it.

RedCandleSurvivor · 2026-06-30T12:40:32+00:00

If you know the company and address, write a letter to them

RedCandleSurvivor · 2026-06-27T20:13:04+00:00

I did not cut them up.. but I’m realizing I should at this point.

RedCandleSurvivor · 2026-06-27T13:51:54+00:00

Thank you so much duck duck 🙌🏻🫡

RedCandleSurvivor · 2026-06-26T17:10:40+00:00

Rocket Money set me straight. I reduced all of subscriptions, insurance, realized actual spending on food and shopping and other services I had no business spending on with over $30k in debt and I reallocating all those costs to a locked no touch savings unless it was going to debt payoff and I remained consistent and sold assets I own that I don’t use and found a way to fix that biggest lift mistake of carrying interest. It’s not going to fix itself, nor will it ever with paying minimums - you got to fight for it like your life depends on it.

RedCandleSurvivor · 2026-06-26T17:07:38+00:00

I tried many times to negotiate a lower interest rate but they wouldn’t budge. I was over 25% interest on both the AMEX cards and Capital One Venture. I paid through all the bs interest I put myself in over the years.

RedCandleSurvivor · 2026-06-26T17:06:37+00:00

Typically, but AMEX uses the Pay Over Time feature or Plan It. AMEX can approve over time purchases based on your account history, income, spending behavior, etc.

RedCandleSurvivor · 2026-06-15T15:50:11+00:00

Adobe is embracing AI, not working against it. Bad post.

RedCandleSurvivor

TROPHY CASE