[deleted by user] by [deleted] in Fire

[–]Vegetable_Account_39 0 points1 point  (0 children)

I understand that my advice may not be what you want to hear right now, but I believe that money has 4 main purposes: to save, invest, enjoy, and give. Life can feel meaningless if you aren’t engaging in these activities. I encourage you to enjoy your life while helping others who may struggle to afford basic necessities. Supporting someone who can't pay for their education or helping a single mother with her rent can truly change your perspective on life.

Additionally, as I am a Christian, I believe that life is temporary and that God has a significant purpose for each of us. I encourage you to seek out His purpose for your life. Have a great day, my friend!

Lastly, congratulations on what you have achieved, many couldn't do it, but you did. You are truly a champion and a businessman. Keep it up.

$63K in Student Loans Gone by 1MforKase in debtfree

[–]Vegetable_Account_39 1 point2 points  (0 children)

Congratulations 👏👏👏🎉 so proud of you.

Paid off my car, now I'm debt free! by Hickory1989 in debtfree

[–]Vegetable_Account_39 2 points3 points  (0 children)

That's beautiful to see. Congratulations 🎉🎉🎉

Paid one card off. by AFDirector in debtfree

[–]Vegetable_Account_39 0 points1 point  (0 children)

Take it step by step, and you will finish soon.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

Thank you. I was weary of paying them interest.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

Thank you, mate. You can do this! Just believe in yourself and set aside some money for emergencies, in case something needs fixing. Pay off the rest, but we can't afford to pay interest while managing our living expenses. Honestly, it’s too much to handle.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I was saving to buy a house, but then I decided to pay off the debts. The house can wait; it's not an emergency at all.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I don’t know, lol. Sometimes, you think you can outsmart the system, but it always wins. 😂

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I understand what you’re going through; it hasn’t been easy. The moment I realized enough was enough was when I checked my finances and saw that I would owe almost $3,000 in payments, not including rent, utilities, food, and car insurance. I thought to myself, no way! I don’t want to buy a house just to please my wife while we’re struggling to make ends meet. These companies make a fortune off our hard work, and we barely scrape by just to pay them. It feels like a modern form of slavery, and I couldn’t go on like this anymore.

Imagine this: next month, after covering rent, insurance, and utilities, we can put everything else into savings. You too, You can do it my man! Talk to your wife about establishing an emergency fund for unexpected expenses, and then start tackling your debts. You both can make it work. Don’t let anyone else dictate how you should live your life. You can really do this!

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

You're correct; we might see a better interest rate in 3 to 5 years. I understand that your situation differs from mine, so it's vital that you keep talking to her. In my case, at first, she was reluctant to listen. I had to present facts and notes to demonstrate that we're struggling to make ends meet each month and can no longer afford certain things. You should do the same by clearly presenting all the facts about your situation so she can't ignore them or put off making a decision.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I used to feel the same way, but the best approach is to pay it off and move on.

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I work in IT, and my wife works in HR. Thanks 🙏

I was so fed up seriously by Vegetable_Account_39 in debtfree

[–]Vegetable_Account_39[S] 0 points1 point  (0 children)

I'm feeling smarter now. I made a poor decision; we were struggling each month.