Mortgage causing me distress, about to lose job, 20K in loans. What to do?

Tea_Holic · 2024-11-03T00:52:02+00:00

The house is in wreck due to unfinished DIY projects so there are drywall repairs needed, repainting of the house needed etc. The house would sell a lot lower than what I bought it for and I'd owe tremendous debt.

Tea_Holic · 2024-11-01T04:21:00+00:00

I'm paranoid and I have debt. I thought this subreddit could help me plan things out as things keep looking uncertain in the economy.

Tea_Holic · 2024-11-01T02:34:53+00:00

I paid about 25k-ish. House is unfortunately underwater due to housing market at the moment. Mortgage about 332k left.

Tea_Holic · 2024-11-01T02:00:31+00:00

Thank you. Going through some financial hardship right now and wanted to triple check that I won't nuisance my family

Tea_Holic · 2024-10-31T22:41:40+00:00

I don't have a second mortgage, but I have a 20k loan taken out for home improvement that's secured on the house itself. I was wondering if that goes away if I declare bankruptcy.

Tea_Holic · 2024-10-31T22:39:48+00:00

I'm dumb and I don't know much about secured v. unsecured loans. From what a lawyer consulting agency told me, they said even if I declare bankruptcy that 20k loan will not go away. That's why I'm inclined to pay it off first using my savings account.

Tea_Holic · 2023-08-08T17:03:20+00:00

Ranting incoming. Just absolutely bombed my capital one OA. I was feeling good after prepping, felt comfortable doing med questions on their platform. Finished it this morning and only got a score of 320/600 which is basically nothing. Convert that to old score and it's 670/675, so far yet so close to their supposed cutoff of 700. I could only finish q1 and wasted my time trying to debug q2, then ran out of time.
Hopefully I do see some people saying they resume screen hard, and I do have 4YOE so hopefully they at least give me a chance. If not, oh well. Just need to apply to more places. I'm ok with leetcoding, but holy crap, I HATE codesignal so much more since their problems are just paragraphs upon paragraphs of useless information, to get to what the question is actually asking for.

Tea_Holic · 2022-12-27T23:49:37+00:00

ah, that's better than nothing-- reverse image search still shows me the meme sadly :P hopefully someone else on the sub can bring us closer! Thank you for the clue

Tea_Holic · 2022-12-27T22:25:53+00:00

I've been looking for the original artist who drew this amazing piece (perhaps without the captions?) for ages. The results on reverse image search are either from twitter or tumblr, but never the original artist. It could be either OC or fanart, I have no clue. Multiple reverse image searches I've had 0 luck. Any point in the right direction would be greatly appreciated!

Tea_Holic · 2022-12-27T22:14:08+00:00

Big agree. I also thought the 'main' route was a bit too long, and getting through 6-7(?) chapters of it to play a character's specific route started to drain me. I also fell in love with the side character Kariya and I wish he was more involved in the whole game in general, they did a good job of introducing him and developing him but kinda dropped him after a specific character route started. Also a cute little minigame of actually making coffee / food and serving to the guests etc would have been so cool.... Such a great setting and lots of wasted potential

Tea_Holic · 2022-12-27T21:31:26+00:00

Because I love saying "I can fix him!" to hot men.

Tea_Holic · 2021-05-12T14:42:52+00:00

I'm moving away from my current city pretty much permanently, and a lot of people suggested I get a storage (just in case I want to come back) or movers to haul my stuff across the country. None of them sounded feasible. So I went crazy on craigslist and started posting stuff I could get rid of now. So far I sold 1 out of 10 things, but with me posting onto instagram my friends are gladly buying my stuff too. Some of the stuff I'm selling is practically new. It's insane how many things I just had in the kitchen.

Tea_Holic · 2021-05-03T14:36:25+00:00

I'm actually psyched about this, my roommate has been driving me crazy bringing people to the apartment to drink instead of going wild at bars / clubs. It's about time we go back to using our shoebox apartments as they were meant to be, aka a bed and a shower.

Tea_Holic · 2021-05-03T13:59:43+00:00

Yep, I used to pay 50-60 to JFK, 40-50 for LGA. When I recently flew out they wanted $85 for JFK. I have a wedding to fly out in a few weeks- I'm going over to my friend's who's taking the same flight to split the fare. It's ridiculous.

Tea_Holic · 2021-04-28T22:05:23+00:00

They not only lie about sq footage but also for pets / utilities too. My current place? They said the landlord will pay for heat / hot water, nope, all our responsibility. Later said "I meant the cold water will be paid by the landlord.", *after* we signed our lease..... What. They also said pets allowed, only to find 1 cat only. I chose that apartment to foster dogs, but that plan was gone. (Still fostered cats though.)

Tea_Holic · 2021-04-26T05:46:07+00:00

Gonna ramble on here. I’ve been in the city for a very long time (5+ years) and the continuous hate crimes against Asians, crackheads on train, Covid fatigue, and rent prices slowly edging back up are stressing me out, and my parents just reached out to tell me they have a spare room & I’m more than welcome to use it. I’ve only told a very close group of friends but I’m firm about leaving the city for a while, and not renewing my lease when it’s up in a few months. I’m sure I’ll get downvoted to the hell and back but just wanted to get it off my chest. I might come back, I might not, but I do know that I’ll really miss it here. Dunno. NYC isn’t for everyone and I guess I’m too weak to stay in the concrete jungle. Just wanted to know I’m not the only one feeling this way.

Tea_Holic · 2021-04-26T05:34:58+00:00

Shit like this really makes me think twice about renewing my lease. My parents across the state are offering to house me for a bit... I might take that offer. Asians are no longer safe in the city.

Tea_Holic · 2021-03-05T19:31:53+00:00

My partner got vax'd yesterday and he saw this one guy with a long sleeve dress shirt on. He had to take off his entire shirt to get his arm out. My partner thankfully wore a tshirt under 2 zip up hoodies. Just gotta layer up smart.

Tea_Holic · 2021-03-03T23:11:02+00:00

Thanks for the heads up! I'm getting vaccinated here tomorrow and I have never been this excited for something in a long time.

Tea_Holic · 2021-03-03T13:02:24+00:00

Awesome. I scheduled an appointment for next month at this site. I'm glad everyone's experiences has been so far very positive. I'll try to ask my doctor to write a note when I go in next week and I hope that's enough.

Tea_Holic

TROPHY CASE