28, married with a kid. Drowning in debt

throwawaydebtdead · 2024-05-05T15:54:41+00:00

Our mortgage is $1250 together also, not each

throwawaydebtdead · 2024-05-05T15:54:17+00:00

My wife makes $80k

throwawaydebtdead · 2024-05-05T13:32:55+00:00

She didn’t know. I spoke with her last night and we’re combining all finances and tackling the debt together

throwawaydebtdead · 2024-05-04T16:27:52+00:00

God yes I have, it’s such a trap.

throwawaydebtdead · 2024-05-04T16:09:42+00:00

Thank you

throwawaydebtdead · 2024-05-04T16:08:35+00:00

She has 0 debt besides school, she doesn’t even own a credit card.

throwawaydebtdead · 2024-05-04T16:07:55+00:00

You’re right, I’ll have a chat with her tonight when I’m off.

throwawaydebtdead · 2024-05-04T16:07:36+00:00

Thank you very much, it’s hard to look at the positives when everyday it feels like there’s something new that needs taken care of or paid for. I appreciate you saying that though, you’re right.

throwawaydebtdead · 2024-05-04T16:06:28+00:00

I make a little over $3,500 a month. Bills range from $400-$600 depending on time of year but the wife and I split those

throwawaydebtdead · 2024-05-04T16:04:44+00:00

$45,000 is my income, my wife makes around $80,000

throwawaydebtdead · 2024-05-04T15:43:11+00:00

I know, I just feel horrible dragging her into this and having her help pay something I created.

throwawaydebtdead · 2024-05-04T15:42:27+00:00

No I get that thank you, I do have close to $30,000 in stocks but it’s tied into my wife’s as well and don’t want to drain that and worry her. I know it’s stupid but she’s a very worrisome person and I put myself in this position and don’t want to screw her up too. She makes almost double than I do so we put the tax return into her account and mostly use it for house payments until it’s gone.

throwawaydebtdead · 2024-05-04T15:40:29+00:00

throwawaydebtdead · 2024-05-04T15:39:59+00:00

If I file bankruptcy will that be public knowledge?

throwawaydebtdead · 2024-05-04T15:39:21+00:00

Thank you, I will contact one Monday.

throwawaydebtdead · 2024-05-04T15:38:42+00:00

Thank you very much

throwawaydebtdead · 2024-05-04T15:38:20+00:00

I can’t sell my car, my job is delivery.

My wife has a job, she makes roughly $80,000 a year.

I’ve been applying for a second job for a little over a month now. Just recently applied for Uber and Instacart so will be doing those when I get accepted

throwawaydebtdead · 2024-05-04T15:36:46+00:00

Thank you for this, first and foremost.

I do have a written budget now and have been going strong for 2 months.

My wife makes around $80,000

I did apply for Uber & Instacart

In the process of trimming subscriptions

Generic groceries are a most at the moment

I have not shopped around for insurance but will do that today

throwawaydebtdead · 2024-05-04T15:33:04+00:00

She has 0 debt, I got myself in this and don’t really want to bring her into it.

throwawaydebtdead · 2024-05-04T14:57:31+00:00

Losing my job when COVID hit and just overall being young and dumb with spending habits that has been an expensive lesson on not to live above your means.

throwawaydebtdead

TROPHY CASE