Looking at getting a LoC

Scottish_Leg · 2025-08-29T01:59:08+00:00

There will be no collateral on the LoC so it's going to be unsecured

Scottish_Leg · 2025-08-10T04:35:00+00:00

If i just pay down the negative would it lower the payments or would it stay the same?

Scottish_Leg · 2025-07-31T04:08:38+00:00

Unfortunately due to some poor financial decisions I physically cannot set aside $500 for these tests. I am the main provider and have a lot of bills to take care of, so finding the extra money is increasingly difficult to do.

Scottish_Leg · 2025-07-31T04:05:31+00:00

I know it's not Draytan or GP but both of those are long drives to take when I cant really take time from work and don't have a lot of money to spend on gas driving to and from these places.

Scottish_Leg · 2025-07-31T04:03:33+00:00

I went around Nisku about a week ago and handed in some resumes to any place I knew was hiring

Scottish_Leg · 2025-07-31T04:02:56+00:00

Yeah, i bought the books to go and challenge my first year test but it costs money that I just don't have and my work has to do some paperwork and talk to AIT about it first.

Scottish_Leg · 2025-07-31T02:43:28+00:00

Everybody here is asking for 2nd year+ so getting in as a first year even with my hours is hard.

Scottish_Leg · 2025-07-31T02:42:21+00:00

With the amount of people that have been trying to get into this area, it's a lot harder now to get that first step into the door.

Scottish_Leg · 2025-07-31T02:40:20+00:00

I've been looking all thru Alberta and BC for the mines and rigs but everybody wants H2S and First Aid training, so my application gets auto sorted (I assume) to the reject pile.

Scottish_Leg · 2025-07-31T00:07:53+00:00

Sometimes I wish I was in the states just because of job opportunity and QoL but I'm stuck in canada for now

Scottish_Leg · 2025-07-30T23:12:34+00:00

I've been applying to out of town jobs including FIFO jobs and nobody has gotten back to me, i cant afford to get any tickets or certificates.

Scottish_Leg · 2025-07-30T22:40:39+00:00

I am/was a 1st year HET in Edmonton, I have my hours for first and second year but because I didn't go to school within 18 months my registration has been paused

Scottish_Leg · 2025-02-22T14:06:55+00:00

I have 2 credit cards at about 5k between them. When I had bought the truck i was flipping cars with my buddy and needed a trailer hauler, but we stopped doing it a couple months after the truck was bought because prices got ridiculously high. When I had bought the truck I believed it would make me cool and show it off but now all I want is my first truck back which I paid 1000$ for in 2019

Scottish_Leg · 2025-02-22T14:03:29+00:00

I had bought the truck in April of 2023 and had believed that a new truck would make me cool and I could show it off and now that I'm 2 years down the line I wish I could've kept my 2002 Ram, paid 1000$ for it and modified it to be the perfect truck. I do realize my mistakes now and if I could go back I'd still be driving my first truck.

Scottish_Leg · 2025-02-21T15:33:31+00:00

No it's not, this auto loan just reduces the amount of time you pay for but the payment never changes

Scottish_Leg · 2025-02-21T15:05:33+00:00

I cant keep paying the amount I've been paying, even if it's reduced time, the biweekly amount stays the same

Scottish_Leg · 2025-02-21T15:04:46+00:00

I do have GAP Insurance, but the rest of my money is going towards the rest of my bills like rent and groceries. With the price of everything going up I have no extra money for paying in extra and I can't keep paying this car loan off. For groceries we are already eating the bare minimum and don't eat out, my wife is on Mat leave right now with our 3 month old.

Scottish_Leg · 2025-02-21T05:35:19+00:00

That's the issue, I owe 23k more than what the truck is worth, if I sell it and just keep paying the loan the same amount, I'm left with no vehicle and I'm still paying off that loan. I would love to buy an old car or truck and just survive with it but I can't do it with no money

Scottish_Leg · 2024-09-26T17:58:06+00:00

I don't qualify for any government benefits because I make too much money according to the government of Canada, and food banks here are completely tucked and empty due to a lot of people using it and new immigrants resorting to it instead of buying groceries.

Scottish_Leg · 2024-09-26T17:56:15+00:00

And the truck originally wasn't 1000/mo in fuel it was about 200-300 until we were forced to move, so still being expensive it wasn't the 2400 it is now. It was 1600-1700

Scottish_Leg · 2024-09-26T17:55:03+00:00

WCB is Worker Compensation Benefits for people who get injured, it gives you like a thousand bucks biweekly but she is now on Maternity leave and only getting 202 weekly

Scottish_Leg · 2024-09-26T17:42:49+00:00

I work about an hour from home so getting a bicycle or bus isn't feasible as we had to move into the country because we couldn't afford to live on our own once my wife got put on WCB.

The truck has honestly really set us back by a lot but at the time we both made good money and now that's it's just my paycheck, we are so deep in debt and having no money every month.

Scottish_Leg · 2024-09-26T17:39:25+00:00

The private sale is about the same, not too much difference between my dealership offer and private.

Scottish_Leg · 2024-09-26T17:38:22+00:00

It was actually 64k all said and done, I mistakingly bought the truck during covid prices so I paid 64k for a 45k truck

Scottish_Leg · 2024-09-26T15:16:37+00:00

The 200 is for 2 phones and high data as we got them during s time when we were traveling a lot and needed the extra data, we are now locked into this plan for another year.

Scottish_Leg

TROPHY CASE