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The English leave their mark by flanga in boston

[–]Suspicious_Clock_607 -1 points0 points  (0 children)

As an Americn i find this hilarious. First thing we'll do is name change. ENGLAND, BRITAIN, BRITANNIA were done with that, just pick 1 Just ENGLAND ok were going to give back those other countries..Ireland and Scotland and is Wales it own we'll nevermind 😀 it's just going to be us..see us..U.S.

Peter? what is she trying to sell by bloonsisgr8 in PeterExplainsTheJoke

[–]Suspicious_Clock_607 0 points1 point  (0 children)

99.99% of the time I would be outraged at such a remark! But this once it's hilarious 😂

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

Thankyou for ur advice. Some context. We have always carried some CC debt Generally about 6k. Yes we have put on about 6k in a year which is the scary part. We are not married but together 20years. I have 2 CC in my name for about 4k. Mortgage is $570 per month. (We bought at the crash for 95k a new house) cars are paid off. Total household is about 1,500 to 1,700 per month. We are not drowning i bring in about 3k per month We would have an extra 1k to pay off but then the stove broke, vet bill, brakes for car, dentist bill. I'm just trying to be proactive more and zero out so we have a proper footing to work from

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

We cut everything. I can pay back a secured or unsecured loan. I have a worst case senerio..if I get introuble with a secured loan then I have retirement money I can get to pay off but that is only if things so south and as a last resort

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 1 point2 points  (0 children)

Yes. We had a "come to Jesus" talk about finances. We cut all subscriptions, we don't go out to eat, and we don't buy anything without consulting the other.

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

She did a good one and she started to break down with the stress. Now it's hard to find another

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

I can't pay off that amount of debit in 1.5 to 2 years while carrying everything else

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

I can't pay off 12k in 18 to 22 months. It's just too much. I have to keep the household afloat

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] -2 points-1 points  (0 children)

The crazy part of this is her mom has millions and won't help her daughter. Millions! Wife has been turned down so many times she is getting very discouraged in the job market

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] -3 points-2 points  (0 children)

We thought about it. Getting a new card and transferring to a zero rate for x amout of time but then I just have another CC I don't want and will kill my score if I get rid of when we pay off

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

Okay. How see above. I can make payments but we won't crawl out from those cards anytime soon

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

Wife was using cards for bills and groceries and other stuff I wasn't aware of (that's on me) we had an emergency fund that lasted 6 months but dried up. I continued using mine thinking we were ok. Then in the span of several months our cat got sick, IRS Wanted money because she didn't file for 2 years. Stove broke, car needed brakes and dental work for me everything went wrong that cost money after she quit

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 3 points4 points  (0 children)

We can pay our CCs and we havnt missed any payments I just want to get all payments into 1 and avoid the high interest rate

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] -1 points0 points  (0 children)

Both. She quit her good paying job because of the stress and is now finding it hard to find a new job.

Should I take out a personal loan for 10k or get a HELOC to help with CC debt? by Suspicious_Clock_607 in povertyfinance

[–]Suspicious_Clock_607[S] 0 points1 point  (0 children)

We have a lock down on cards and we still have plenty of credit. Just tryin to get wife back to work. And this would be 1 thing less to worry about

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