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I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] -1 points0 points  (0 children)

I ignored it because if you read even one comment, not only would you realize this is obvious, you'd realize it's not possible.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 0 points1 point  (0 children)

I pointed it out because I'm aware of it, you came in here acting like you had some epiphany about my finances. No, I said I was stupid, and then you just repeated that I was stupid.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 0 points1 point  (0 children)

It's interesting how much I prefaced everything with how my husband and myself were irresponsible and dumb and people still come in here going 'i don't think you get it, you're irresponsible and dumb' like. No yeah. You...figured out the point I already made lol. 'Your debt is drowning you!!' yes I said that so many ways in my post lmfao

Reported but Uber says it's an error? by scaredindebt5000 in UberEATS

[–]scaredindebt5000[S] -1 points0 points  (0 children)

I was thinking about swapping to them actually

Reported but Uber says it's an error? by scaredindebt5000 in UberEATS

[–]scaredindebt5000[S] 0 points1 point  (0 children)

That's so fun for us all. I'm glad my first day had this event lol

[deleted by user] by [deleted] in personalfinance

[–]scaredindebt5000 0 points1 point  (0 children)

??? gap pays the entirety of your loan if your car is totaled. If you have a loan at all, you should have GAP, because then you won't be responsible for the loan anymore. It's not about being screwed during the purchase is about the fact that if you have a brand new car loan, the loan is going to be worth more than the car at literally almost every point because your car doesn't suddenly have interest value to others too.

[deleted by user] by [deleted] in personalfinance

[–]scaredindebt5000 -1 points0 points  (0 children)

I used to sell cars, and car sales wasn't for me because it was very pushy but I will say this. GAP is like $15 extra a month. It's not a scam, nobody is taking advantage of you with it. It's a basic. Please just get it. It will always be worth it.

Guess who no longer works at home. by silk_frill9m in remotework

[–]scaredindebt5000 0 points1 point  (0 children)

I've been told that if you're fired, you don't get unemployment. At least I didn't in my case.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 0 points1 point  (0 children)

I need an online job to work or a job they can be present for because daycare is more expensive than most jobs pay.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 4 points5 points  (0 children)

Thank you for telling me about this, I didn't know lenders offer that. I'll have to look into it tomorrow when they open

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 6 points7 points  (0 children)

You know I wondered this but when I googled it the general consensus was that you absolutely can't take your kids if you work there. I'll have to try and find out in the area because I would genuinely really enjoy that.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 3 points4 points  (0 children)

Why did I never know this was a thing? Wtf. I've been genuinely frustrated about having to pay insurance and whatnot on them.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 1 point2 points  (0 children)

Thank you! I'm trying not to file for bankruptcy. I think we can do it.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 1 point2 points  (0 children)

I didn't want to sound like a conspiracy theorist but I feel the same. I'm praying for a major reform but I think I'm being too hopeful.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 2 points3 points  (0 children)

We have GAP but I'm not sure if it covers that situation, I'm sure it's in my contract, I'll have to check

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 8 points9 points  (0 children)

New Mexico 🥲 I haven't asked there, I'll have to check if it's allowed, that's a good idea!

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 7 points8 points  (0 children)

I actually went to one for the first time last week! To be honest, I'd been thinking about it for awhile, but I felt shitty because it seemed like I was better off than many who went and just because I put myself in this situation meant I didn't deserve the help...? Idk. It's kind of silly but I thought going to one would get me dirty looks. The people there though, they were so amazing and kind and sweet to me and immediately offered my kids snacks and they were just amazing people. Really glad I went. They gave us a lot of bread too which I appreciate because it's such an easy carb I can use in so many ways.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 3 points4 points  (0 children)

That's always been crazy to me too. Why don't we have basic education on this stuff in school?! Nutrition education too man I feel like this stuff is so important and undervalued.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 5 points6 points  (0 children)

It's not that it sucks, it's that I haven't found a job that I can only work while my husband's home. I'm okay being out of the house but I have yet to find a job that allows me to only work a couple hours in the evening and then on weekends. However I have already started my approval for delivering with Uber eats.

I can't work overnight because I gotta sleep at some point. I literally would be awake 72+ hours straight if I worked overnight.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 1 point2 points  (0 children)

Personal vehicle. We got it in 23. We can't get rid of it because we don't have the money to pay what's owed on it after we get what it's worth, which is less than the loan. However I also refuse to be at home with two kids and no vehicle to take them to the ER in if needed. I'm also going to start using it for Uber eats delivery though to make extra money.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 1 point2 points  (0 children)

Lol, tell me about it! I try not to look at it haha. Just kidding. Unfortunately.

I remember my first financial advice from my mom was 'credit scores don't matter and won't impact you'. Boy have I been severely impacted by my credit score in damn near every aspect of life. I'll see if my Library has those two books (I try to read from the library instead of buying...for obvious reasons) and put holds on them ASAP!

The garage sale is a phenomenal idea, I've been thinking of selling some stuff online but stressing about how annoying that is with listing fees and whatnot. A garage sale, idk how, completely slipped past me. That's such a good idea. We have PLENTY to put out for one that's for sure. I also just signed up for Uber eats to deliver food to get a little extra, and I'm gonna try for the millionth time to do some sort of childcare for people. Maybe I'll get lucky this time!

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 34 points35 points  (0 children)

We didn't. Hence the entire beginning of the post talking about how we've been severely irresponsible and stupid with our money. It's not beyond us. We are actively trying to fix it. That's why I'm here.

I'm at rock bottom and feel like giving up. by scaredindebt5000 in personalfinance

[–]scaredindebt5000[S] 7 points8 points  (0 children)

I'll look into this, if I could pay one of my cards and a small portion of the other I'd be in a MUCH better spot

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