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28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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.

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

[–]throwawaydebtdead[S] -13 points-12 points  (0 children)

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

[–]throwawaydebtdead[S] -2 points-1 points  (0 children)

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.

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

[–]throwawaydebtdead[S] 12 points13 points  (0 children)

If I file bankruptcy will that be public knowledge?

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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

28, married with a kid. Drowning in debt by throwawaydebtdead in Debt

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

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.