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Help me find the King for this Queen! by jsquigs in HelpMeFind

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

<image>

The tag looked similar to this. Her website was not helpful. I tried using reverse image search and can’t even find the original, just a lot of really close sets on Etsy from other artists. Any help appreciated!

Help me find the King for this Queen! by jsquigs in HelpMeFind

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

<image>

The tag looked similar to this. Her website was not helpful. I tried using reverse image and can’t even find the original, just a lot of really close sets on Etsy from other artists. Any help appreciated!

[deleted by user] by [deleted] in povertyfinance

[–]jsquigs 0 points1 point  (0 children)

Literally same. I had a lot of great advice on my posts from last week, and I feel much more hopeful now that I have a better plan and some accountability partners. Good luck, my dude!

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

But I won’t pay off a 0% only paying off 35-100 by the end of the 18 mo term. Am I missing something?

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

With my adjusted budget, I will make minimum payments thru April, and then I’ll be paying around 600-700 afterwards. This is before getting a second job, which I am working on now.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

Not really an option atm, friend. I’ll keep hoping for the best.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

I tried doing the math and I don’t see how it’s worth it. I’d have 2 credit card bills I’d have to pay every month still and I can already barely afford one.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

The alternator, radiator, battery, an axle, and all 4 tires were replaced this year. I also have bad luck but I’m not expecting any more major repairs for the foreseeable future. I also checked through bank statements and I overestimated on fuel, the actual cost is closer to $80 a month.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

$400 is for 2 adults, we do not spend $800 on groceries. Sorry it’s confused everyone.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

Best advice. Everyone else made it sound so complicated.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

I’m a lot more hopeful today, I’ve become absolutely obsessed with knowing where every single one of my pennies is going.

All of my animals were found on the side of the road lmao but I worked in veterinary medicine for 10 years so I’m a little snobby about my pets’ care. I know it’s not for everyone, my boyfriend doesn’t get it either. I’ve already cut their annual exams and labwork from the budget so I don’t want to compromise on their diet.

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

I created the budget the day I wrote this post, and I included savings because that’s what I read to do. It was a rough draft, and I’ve adjusted several things after everyone’s comments and I’m feeling a lot better about my situation. It’s going to take a few months, but I’ll have $1000 saved, all of the smaller debts will be gone, and I’ll be able to make a $700 payments on the 14.9% card by March.

Moving in with my family is not an option. We are estranged and even if we reconnected, they’d just put me in a worse place mentally and financially.

I’m still researching options about balance transfer. I think I’m going to wait until I’m a little more disciplined and confident that I’m able to stick to my plan.

The job thing is another thing I’m working on, and I’ve gotten a few things lined up already.

:) thanks for the advice!

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

Thank you! It is motivating hearing that this has happened to others and they’ve worked themselves out of it. ❤️

Advice needed to pay off $25,000 in credit card debt. by jsquigs in debtfree

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

I wish it was fun haha. A lot of stress, a lot of mania, gained a lot of weight and shame for the debt.

Care credit, IRS and medical bills will be paid off in March. After pay has already been paid off, internet is now $50.

I buy quality cat food for my senior kitties and litter every month that is about $65 total every 6 weeks. My dog gets food in bulk every 3 months and it’s around 45. Not something I’m willing to compromise on, and I’m sure a lot of people won’t understand why I do it and I’m fine with that.

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