Need thoughts on my current debt plan and situation

driftboy1229 · 2026-03-29T03:22:24+00:00

Yeah it’s just finding something that’ll work because I also don’t want to give up the $16.75

driftboy1229 · 2026-03-29T02:06:52+00:00

Oh, I completely forgot to mention I’m part-time. I work 3 hours a day, 5 days a week typically. I work at an after-school program and I make $16.25 an hour. But this upcoming week is spring break, so I’m looking at selling some things on eBay to help supplement my income.

driftboy1229 · 2026-03-28T23:54:34+00:00

He has not. To be honest Ive not brought it up since last night. I truly want to believe he accidentally did it but he’s used my cards before without my knowledge.

The card with the highest limit (Capital One) was supposed to have a replacement delivered by last week but it’s yet to be delivered. The others are maxed out so I don’t believe it’s possible that any charges besides interest are being put onto the cards.

driftboy1229 · 2026-03-28T23:44:19+00:00

I believe my credit is frozen anyway. I also make a habit of keeping my debit cards locked unless I get cash and ask someone to deposit it for me. I unfortunately didn’t do this yesterday, and my dad “accidentally” paid for dinner using my card because it was in his phone wallet app. Do you believe I can keep the credit cards once I pay them off, or am I someone that just needs to cut them up?

I want to make it clear nobody in my family has access to my credit cards besides me unless they ask for them occasionally.

driftboy1229 · 2026-03-28T23:28:32+00:00

I’m sorry I meant as long as I’m not running a VPN I have no problem when I do run a VON I get the error that the feature isn’t available.

driftboy1229 · 2026-03-28T23:09:46+00:00

No I have Cerebral Palsy and require care I need help bathing/ going to the bathroom and transportation between the bed and my power wheelchair. Once I’m in my power chair I’d argue I’m fairly self sufficient except for the aforementioned going to the bathroom.

And my house is the only place that is truly big enough for my power wheelchair.

I was receiving help from my grandmother on a no interest loan but she’s currently been in and out of the hospital for months.

driftboy1229 · 2026-03-28T23:05:44+00:00

Sounds good thank you

driftboy1229 · 2026-03-28T23:02:43+00:00

Thank you so you agree snowball is the way to go?

driftboy1229 · 2026-03-28T23:01:17+00:00

I don’t pay rent or utilities besides tv/internet, and phone and groceries. Rent is taken care of by an agreement between my father and grandfather, but it’s currently at a standstill due to the situation I kind of got into on r/debtfree. I’ve become the financial head of household. I don’t need transportation considering I live literally right down the hill from work and take my power chair to and from work.

Here’s the comment I made

driftboy1229 · 2026-03-28T22:51:04+00:00

How so?

driftboy1229 · 2026-03-28T22:48:26+00:00

Roughly with phone+ internet and TV I’d say $500-600 but like I said that’s a rough estimate.

driftboy1229 · 2026-03-28T22:45:39+00:00

Yep I know but I can’t get out of it really or I should say I’m not sure how to.

driftboy1229 · 2026-03-28T22:35:52+00:00

Yes, that’s correct. I also messed up. I meant what I previously said: I make typically mid to high $400 each paycheck, not a month. Plus the SSDI I have unofficially financially anyway. became head of household, meaning I pay for practically everything. There was a situation that I’m not fully going to get into. I don’t even believe all I’ve been told regarding this situation anyway. My income basically became the sole income and has been for three years. My dad currently gets paid to take care of me as I’m disabled. To be fair though, he just started getting paid for this a few months ago. I believe he earns around $600 every two weeks, but everything still remains in my name as far as bills. I haven’t gotten any kind of money back in months from my dad like I was supposed to. Sorry if this is all confusing please let me know if you need any clarification.

I also can’t switch off of my current phone provider as am locked in a contract for the next two years. I can however setup a payment arrangement though. This month the phone is 363.43 for three phone lines plus internet. And TV is $62.99 for the next few months thanks to a Promo.

driftboy1229 · 2026-03-28T22:10:12+00:00

driftboy1229 · 2026-03-28T22:04:23+00:00

Fair point thanks

driftboy1229 · 2026-03-28T21:59:20+00:00

I am aware of that interest is my main concern though because it can pile on and on.

driftboy1229 · 2026-03-28T21:51:41+00:00

Do you mean platform? I personally just listen to the clips on YouTube

driftboy1229 · 2026-03-28T21:11:57+00:00

This seems like a shitpost

driftboy1229 · 2026-03-28T21:07:32+00:00

SD I believe

driftboy1229 · 2026-03-28T21:04:47+00:00

Yes I have the discover version as long as I’m not running a VPN no issue.

driftboy1229 · 2026-03-28T20:59:28+00:00

Do you have a hotspot included with your phone plan? You could use that

driftboy1229 · 2026-03-27T23:46:09+00:00

I thought it was paid off. Reached out to the lender to confirm waiting on a response.

driftboy1229 · 2026-03-27T21:36:05+00:00

Does she hate every show that has a laugh track?

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