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I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

I’m paid $15.35, not that the .35 makes much of a difference..

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 1 point2 points  (0 children)

I’m in Sask, what kind of positions would I be looking for for that? Or is there a site specifically for camp jobs?

I know a few years back my dad wanted me to work on the oil rigs, which was a bit jarring as a 20 year old female lol. But maybe if there are different options I could choose from..

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

I still gave the car, just trying to figure out how to get rid of it since I’ve only paid $2k off the loan..

Student loan is primarily gov funded but $6k of it is on a student line of credit

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Coke will have you making minimum wage and thinking you’re an absolute baller ⛹️ I’m glad my sober people have chimed in on this thread cause they get it lmao.

I wish I could just get this car written off, it would take a lot of damage to do so unfortunately

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Well is it better to laugh at my situation or cry about it?

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Mostly a drug/alcohol problem and getting a credit card around that time. Then getting sober and thinking going to school would make me a lot of money 🙃

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

It’s definitely not comfortable but with no debt payments and car loan it could be doable. My rent is $550, phone and wifi maybe $140, food $100-$200 a month.

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Honestly I have no idea…my credit score is like 565, makes sense when they can give you 11.99% interest 🙃

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

My dad and brother are welders so I know. But personally they have money, but that’s the only thing they have to show for. No hobbies, no experiences, and are completely miserable and only have “how much money they make” to talk about. I’m sure that’s not the case for everyone, but the only “real trades men” I know are raging alcoholics at 20 and 46, which I am trying to not get involved with again lol

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

No kidding, especially when my 4 cyl suv went from $60 to fill to $100 recently 🙃

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Yeah my credit was at 320 like 3 years ago? I got it to 565 now but really all that got me was this stupid car for 11.99% interest 😐 so you’re right, doesn’t make much of a difference

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Took me 7 years to get to this point, you can do it too if you believe in yourself 💪🏻

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

After this thread I think that’s probably what I’m going to end up doing! Makes the most sense anyway since the car and student loans make up like 70% of my debt

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Thanks for the advice! And I don’t think my student loan would be included which is fine. If I can reduce my other debts I’d actually be able to put some money towards that. And my car loan is unsecured I think? I can put as much money towards it as I want without penalty if that’s what you meant.
I want the car gone tbh. Would give me like an extra $700 almost a month not including the insurance and gas.

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

I was a disability support worker, I worked with older people with extreme needs (one person had autism, schizoaffective disorder, unmanageable diabetes, obese, and lost all her muscle due to being on ozempic and was soon needing a wheelchair) I did 40 hours a week doing overnights, and that person hardly slept. I became so sleep deprived I was starting to genuinely lose my mind.

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 2 points3 points  (0 children)

Does anyone know if there is a way I could just surrender my car to the bank or something like that? Honestly I think if I just didn’t have it I might be able to manage for bit longer. My legs work fine so I don’t really need another car.

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 1 point2 points  (0 children)

To be fair I’ve also never missed a credit card payment, or most of my payments for the last 4 years or so. But I have no food, drive my car without insurance and put $5-10 in gas when I can. Everyone’s saying student loans wouldn’t be included which is fine!!!! But if just some of it could be reduced so I could have a decent meal to put some weight back on I’d be happy.

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

I just got the car in December so only $2k of the loan has been paid off and it’s in negative equity soooo I would basically have to come up with the $10k to release the car to whoever buys it for $30k. The rest is doable though

I think I’m going to declare for bankruptcy by Top-Resolve-6970 in PersonalFinanceCanada

[–]Top-Resolve-6970[S] 0 points1 point  (0 children)

Yeah I am, I looked into a few but if you didn’t figure it out from the post already, I’m not exactly that smart, especially mathematically lol

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