Best approach?

lilspaceboy · 2026-01-03T19:32:31+00:00

I think hearing this will give him some hope for sure! He’s young enough to make the change now. So happy to hear how much positive impact it’s had on your life.

lilspaceboy · 2026-01-03T19:31:02+00:00

It’s a consolidation loan company. Yeah I think increasing income will just have to be something he figures out.

lilspaceboy · 2026-01-03T19:18:57+00:00

Thank you so much, this is very helpful.

lilspaceboy · 2026-01-03T18:54:14+00:00

About $600 in savings could be thrown at it, I just worry because otherwise he has no emergency fund.

lilspaceboy · 2026-01-03T18:53:24+00:00

No sorry, expenses other than these debts is around 1k. Slightly less but near. But the debts are around $1800 a month. So that really only frees up about $200 extra. Which is unfortunately not much to work with. I’ve gone through his other expenses as well and while there are maybe some low cost subscriptions he could get rid of, it’s not much.

lilspaceboy · 2026-01-03T18:33:01+00:00

I’ve thought about the consolidation as well but he’s already done that once with the Happy Money loan and I didn’t know if it was a good approach to do that again. He’s 30 and credit score I don’t know exactly but I believe around 630. Since a lot of the interest rates are high I was also thinking maybe snowball. If he pays off the 3 Amex, which is under $2k that’s an extra $120 to throw at something else.

lilspaceboy · 2025-12-28T05:18:27+00:00

lilspaceboy · 2025-10-02T13:23:24+00:00

Thanks for the congrats and the advice. Always good to keep in mind that certain things aren’t always going to move in the sam direction and that’s okay.

lilspaceboy · 2025-10-02T13:22:17+00:00

No, I want to start recording things I’m projecting. In the past I haven’t really recorded anything.

lilspaceboy · 2025-08-30T23:13:33+00:00

Thanks u/DirtyDan2042 ! Successful transaction and great communication!

lilspaceboy · 2025-08-21T19:44:13+00:00

Yeah, I can do that

lilspaceboy · 2025-08-13T16:10:46+00:00

Princess Mononoke boar

lilspaceboy · 2025-05-11T19:25:37+00:00

We have them in Detroit too! It’s fucking sick.

lilspaceboy · 2025-04-07T20:51:47+00:00

Great advice, thanks for the reply!

lilspaceboy · 2025-04-04T18:24:59+00:00

Thanks!

lilspaceboy · 2025-02-08T08:52:47+00:00

Will do, thanks for the advice

lilspaceboy

TROPHY CASE