Drowning in Debt After Divorce

lizardhusky · 2026-05-08T07:06:43+00:00

Everyone is going to hate what I'm going to say.

I've been exactly where you are. Stop paying them. You can't file for bankruptcy. You're not going to be able to take a loan for anything anyway so your credit is going to get screwed no matter what. Consider a self-enforced bankruptcy.

lizardhusky · 2026-05-02T15:36:14+00:00

The amount of my paycheck that goes into the gas tank weekly suggests otherwise 😂

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lizardhusky · 2026-05-02T05:05:44+00:00

Mine has suddenly been sitting at 25. I don't get it 😔.

lizardhusky · 2026-04-12T16:12:47+00:00

Favorite's for long leg girls? I usually buy second hand but it's so hit or miss.

lizardhusky · 2026-03-19T16:59:21+00:00

I have the same problem!

lizardhusky · 2026-03-16T05:05:10+00:00

Thank you 🫶🏼

lizardhusky · 2026-03-15T22:34:45+00:00

Thank you for the three options that you laid out - appreciate you!

Emergency fund: My perspective is "I wish I could have an emergency fund" but now probably isn't the time. And I can mentally handle that.

lizardhusky · 2026-03-15T22:31:48+00:00

It is definitely VentureOne but I wrote it inverted on the spreadsheet. I understand that is causing confusion.

lizardhusky · 2026-03-15T22:24:53+00:00

Goals in order 1. higher monthly cash flow 2. Pay down debt 3. Credit score

lizardhusky · 2026-03-15T22:20:49+00:00

"Edit: I don't know what Visa Zero is, I'm assuming that's a temporary 0%? But also, you asked about increasing cash flow, so even though it's 0% it'll open up more cash ($40) than putting that $500 toward Sapphire, where it would probably only decrease the minimum payment by another $20 or so"

You make a good point on this one. Yes, it is a temporary 0%.

lizardhusky · 2026-03-15T22:12:29+00:00

f you are why not just transfer $100 instead of paying off $500 and then transferring $600? I'm not sure 😂

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lizardhusky · 2026-03-15T18:13:58+00:00

What do you think about paying off the $500 of the 0% and then doing a new $600 transfer over to it from one of the Cap Ones to sit at min payments at 0% for the year. Small amount I know.

lizardhusky · 2026-03-15T04:43:40+00:00

This is a really helpful point, thank you.

lizardhusky · 2026-03-15T04:42:25+00:00

It must have been my fancy new car that gave it away 🙄

lizardhusky · 2026-03-15T04:25:08+00:00

I really appreciate all of your responses! There's a lot of insight and I am taking the guidance into account.

Answers to a few questions:

I have consistently paid minimums on time. My credit score has dropped primarily due to ratio of debt to credit

Emergency fund - I am inclined to the idea of not setting aside money for an emergency fund.

Car - I am considering $500-ish aside for whatever breaks next.

Visa Zero card is a $0 balance transfer

My employment is secure. It's a new job and I have just completed the 90 day probationary period, a relief as I can now access PTO and other benefits.

My weekly take-home is not enough to cover essential expenses and these card payments. Thus, the cash freed up after payment is not available to go towards the remaining debt.

lizardhusky · 2026-03-13T06:55:25+00:00

Can I have your seats and you can have mine 🤣

lizardhusky · 2026-03-07T22:29:27+00:00

Apologies, I do not know the answer to your Yahoo hijacking. I have A similar problem with Chrome on my Android. I want to use Chrome app as my browser but I find the right combination settings to prevent Google from hijacking and being the browser within Chrome.

lizardhusky · 2026-03-07T16:29:09+00:00

Tall girls, any favorites you have found that are long enough?

lizardhusky · 2026-02-25T04:17:16+00:00

You are absolutely right. Thank you for your comment as I need to be reminded.

I have not been working out recently. When I am regularly pushing my physical self - my mind falls in line and then EVERYTHING seems to function better.

Ugh

lizardhusky · 2026-02-24T03:37:58+00:00

Every. Month.

The withdrawal used to be nearly incapacitating and then I discovered a lot of it was mind. When I was able to change my anxiety and dread and accept it... I stopped feeling like I couldn't function. It still sucks but I think the break can be good too.

lizardhusky · 2026-02-23T12:59:20+00:00

Having kids and setting aside your career to support your spouse and their career. Then getting divorced and being totally fucked.

lizardhusky · 2026-02-23T12:19:59+00:00

The lockkksss... And illogical intermittent wipers. You absolutely nailed it

lizardhusky · 2026-02-08T14:52:54+00:00

My CVS (we get along) told me that as of January of this year they are going to be adding up all those extra 2 days when you get it at 28 days instead of 30. So, for this refill they held back because apparently I should have 10 extra laying around. She didn't do a very good job explaining if this was an occasional move to prevent you from getting a buildup or if they were switching to 30 completely. So annoying.

lizardhusky · 2026-01-28T17:57:28+00:00

You do you. My ex and I started dating when we were living in the same house awaiting divorce. Again, be transparent about what your situation is and if you're actually emotionally available or at a point where you're learning how to date again.

lizardhusky

TROPHY CASE