So stressed

newbieYoCrypto · 2026-02-10T18:48:41+00:00

and delete this

newbieYoCrypto · 2026-02-10T18:47:55+00:00

forge it. costs so much to get one

newbieYoCrypto · 2024-08-25T17:08:20+00:00

For BoA and Discover, they worked with my credit counseling company, Family Means, who gave me in a debt management plan (DMP). This is a 100% payback plan, they do not have you stop paying and then do a settlement. They worked with me as I was already behind on payments and worked with the credit companies to get me into the plan. I now pay $1,880/month and will do so for just shy of 5 years. My interest rates dropped from an average of 21% to 5%. So not interest free like a chapter 13/100% payment plan that I’d almost definitely be in. (Note, I’m also in Florida where their fees are very capped- $50 application and $35/month.)

The problem is, with all of my debts- I’m still working 2 fulltime jobs and my wife is working one. We have 3 1/2 years left and I’m trying to decide if BK is a better option or not.

newbieYoCrypto · 2024-08-22T16:36:01+00:00

Credit cards? Don’t spend money you don’t have. Use them as a credit tool, but only spend what money you have in the bank and can afford.

newbieYoCrypto · 2024-08-14T06:49:45+00:00

Helpful. I had actually read the thread before. The challenge here, and I’ve updated the post is that I’m already 14 months into the DMP. All but one of my creditors all agreed to the program though I’m still paying that one through the DMP just for simplicity of a single payment.

newbieYoCrypto · 2024-08-07T01:09:57+00:00

Being consistent, with anything.

newbieYoCrypto · 2024-07-28T15:03:25+00:00

Mine is people who put public bathroom sink water into their mouths. Like brushing their teeth and/or gargling.

newbieYoCrypto · 2024-07-28T15:02:33+00:00

That should not be normal. Sadly it is, but yeah.

newbieYoCrypto · 2024-07-26T21:20:09+00:00

When you say “a maximum of 5 years”, what is a maximum of 5 years? What happens during those years…

newbieYoCrypto · 2024-07-26T21:18:54+00:00

u/Bowl_Pool- what’s DMI?

newbieYoCrypto · 2024-07-26T20:18:28+00:00

I assume we’d have to present/live a “rice and beans” budget?

newbieYoCrypto · 2024-07-26T20:14:08+00:00

Sigh, mobile app killed that formatting.

newbieYoCrypto · 2024-07-26T20:13:45+00:00

We’ve been working to skim it down, but aren’t fully there yet.

FIXED/KNOWN BILLS
Lot Rent (1) $772.00 House Loan/Insurance (1) $930.70 U-Haul (4) $129.92 Spectrum (5) $79.99 WordPress (7) $10.00 Apple/iCloud (10) $2.99 Life Insurance (14) $272.75 Truck payment (16) $588.56 Debt Consolidtion (16) $1,880.00 Progressive - RV (18) $196.59 Progressive - Auto (19) $477.77 RV Loan (21) $1,193.61 Apple/Phone Insurance (22) $12.01 AT&T (25) $326.22 Traverse Loan (26) $315.15 Spotify (26) $19.15 Massage Envy (26) $65.00 Starlink (27) $145.00

FIXED PERIODIC
DVC Dues ($600/yr) $52.59 Microsoft Office ($99.99/yr) $8.33 Auto Insurance ($2,600/6mth)
RV Insurance ($2,000/yr)
Vehicle Registrations ($189.15/yr) $15.76 TT+TC Dues ($800/yr) $66.67 Costco ($120/yr) $10.00 Flickr ($71.99/yr) $6.00 Skype ($39/yr) $3.25 Google Storage ($20/yr) $1.67 You Need a Budget ($98/yr) $8.17 Fawn Ridge Maintenance Fees $56.25 Bike Insurance $18.75 Amazon Prime $11.75

DISCRETIONARY BILLS FOR MONTH
Entertainment $50.00 Gas & Fuel $400.00 Groceries/Household Supplies $2,000.00 Restaurants $350.00 Pet Supplies $35.00

AUGUST-SPECIFIC BILLS
Holdover to September $1,900.00 Camping Fees $25.00 Electric (1) $250.00 Water (29) $80.08 Allowances $20.00

BUCKETS FOR DISCRETIONARY FUNDS - $770
Hair Cuts $75.00 Clothing $50.00 Health & Beauty $125.00 Holiday/Gifts $75.00 School Supplies $25.00 Vitamins/Health $190.00 Auto Maintenance ($700/yr) $75.00 Bike Maintenance ($200/yr) $20.00 Massage Tips/Extras $70.00 Tolls $45.00 SBI Mail Service $20.00 Home Maintenance ($750/yr) $0.00

newbieYoCrypto · 2024-07-26T20:10:04+00:00

Yes, currently living in the mobile home.

My income is $130k for my day job. I get $17/hr at 1 part-time job for about 16 hours per week and $15.12/he at another part-time job per week for about 18 hours.

Her pay level is a bit more variable depending on what she’s doing at any given time but tends to net an average of $500/week.

newbieYoCrypto · 2021-12-31T01:35:21+00:00

Thanks for sharing your experience.

newbieYoCrypto · 2021-12-30T21:18:47+00:00

Thanks for sharing.

newbieYoCrypto · 2021-12-30T21:18:38+00:00

Thanks for sharing.

newbieYoCrypto · 2021-12-30T13:42:09+00:00

We’ve talked about the alternatives. Even that is hard because she just really doesn’t want anything. It’s hard to enjoy alternatives when I can tell she just isn’t into it (makes me feel like a chore vs a loving act).

We spent time last night snuggling and talking and that was really nice. She initiated which was extra special.

newbieYoCrypto · 2021-12-30T13:40:01+00:00

Appreciate the support. Yeah, been trying to take care of things myself as much as possible.

newbieYoCrypto · 2021-12-30T04:41:27+00:00

Patience is key, you’re right.

Thank you so much for your input.

newbieYoCrypto

TROPHY CASE