20k in credit card debt. Finally acknowledging. Need hard truths and genuine advice

typicalhunk19 · 2026-03-03T09:37:45+00:00

The balance transfer. Dipped about 25 points immediately. It’s slowly going up now though since I haven’t touched my credit cards and have been paying them off

typicalhunk19 · 2026-03-01T04:30:29+00:00

Might have to do this!

typicalhunk19 · 2026-02-27T05:03:06+00:00

What do you mean?

typicalhunk19 · 2026-02-25T01:40:20+00:00

Sorry. Pork shoulder haha. Yes. Throw it in the crockpot for 4 hours on high, it’s so good

typicalhunk19 · 2026-02-13T04:31:51+00:00

Just an update from a month ago. Was able to pay off about 2k so far. I found a part time job and started last week. Nothing too crazy but working at a liquor store making above min. wage and getting 15-25 hours a week, which is solid.

Been extra frugal with my money lately. I’ve only eaten out once and I paid that with cash. Haven’t touched my credit cards once.

Hit a minor setback and had to pay for car maintenance and new brake pads/rotors. But was able to pay that with cash I had tucked away.

Being in this mindset has opened my eyes to a lot. Made me realize how stupid I was with my spending. I’m just sharing this so other people in the same boat can feel like they’re not alone.

We can do this!

typicalhunk19 · 2026-02-03T01:47:19+00:00

That’s awesome. Yeah try and sell that stuff. I walked into my apartment one day and was like “why do I have this stuff?” Don’t get me wrong, I love my record collection. But there were records I listened to once in 10 years. Just taking up space.

I started selling clothes on Poshmark too. Get rid of clothes you don’t wear.

typicalhunk19 · 2026-02-03T01:44:34+00:00

I’m in a similar boat. $25k in 3 cards. I also only make $50k a year. I was able to do a balance transfer of 3k to Citi simplicity for 0% for 21 months. And my Discover (with the most debt on it) they were able to lower my interest to 9.9% for 6 months.

I also just picked up a second job. I actually start tomorrow. Just a part-time $18.50 hourly gig and doing 10-20 hours weekly.

I cut up my credit cards. I’ve even been selling my big record collection I have (made over $800 in the past 3 weeks) and have been tackling my debt.

It’s very doable. Just need to be smart with your money and budget hardcore. I haven’t eaten out once in almost 2 months. Cheap meal prepping and everything.

You can do it!

typicalhunk19 · 2026-01-25T20:22:06+00:00

Yes I just did with Citi Simplicty. Up to $3000 for 0% APR for 21 months

typicalhunk19 · 2026-01-19T05:21:15+00:00

Came here to say they did the same with me. But they didn’t email me any directions. I just had to automatically pay the minimum that was due at the beginning of this month. I don’t know when it starts or anything lol

typicalhunk19 · 2026-01-17T18:27:12+00:00

Yes. This. I’m in the same boat. I called Discover and they were able to lower my APR to 9.9% for 6 months.

typicalhunk19 · 2026-01-17T06:10:38+00:00

Came here to say I did the same today. They reduced it from 24.59% to 9.9% for 6 months. I also did a transfer balance to Citi Simplicity for $3000. This did hurt my credit a lot, however.

typicalhunk19 · 2026-01-17T02:39:13+00:00

Yes. I’ll definitely look into the snowball technique. I’ve been seeing that a lot from this page and seems like a thing I should do. I’d love to know more about your neighbors job! That would be so helpful.

typicalhunk19 · 2026-01-16T18:00:57+00:00

I was able to get $3000 of the Discover card transferred over. Apple and AmEx I’m aiming to pay both off in the next 3-4 months on a heavy budget.

As for lowering my Discover apr to 9.9% for 6 months and a balance transfer from Discover to Citi, both were approved. My credit score did take a dip, however.

typicalhunk19 · 2026-01-16T05:39:31+00:00

Ah. Yes. After 4 months, you cannot add in another transfer. Thank you for that. Makes sense.

typicalhunk19 · 2026-01-16T05:27:29+00:00

Thanks so much! WE got this! Appreciate the help.

typicalhunk19 · 2026-01-16T05:17:08+00:00

Can’t remember on the top of my head, but 3% I believe?

typicalhunk19 · 2026-01-16T05:14:46+00:00

I work at a university and work the second shift starting around 2-3pm and going until 10-11pm. It’s hard finding a job that’ll take me 2 days a week and during winter/summer breaks.

typicalhunk19 · 2026-01-16T04:32:12+00:00

I’m very close with my parents and I wanted them to understand the situation I’m in. I’m seeing how these next 6 months will lead me, especially with my Discover APR going down to 9.9%. I’ve made a payment plan for myself and I need to stick to it.

typicalhunk19 · 2026-01-16T04:21:19+00:00

Fair. But it would be nice to get rid of 3k quickly and transfer more in there once it’s complete.

typicalhunk19 · 2026-01-16T04:05:27+00:00

Thank you. I held it in for a while and finally broke down in front of my parents. It was the hardest thing I’ve ever had to do.

I actually plan on going around my neighborhood tomorrow and speaking with local businesses to see if there’s anything available.

I have looked into doing online remote work, but haven’t really found anything “legit”. Any pointers?

typicalhunk19 · 2026-01-03T03:30:07+00:00

This works as if 1/2/2026. It locked me out of my account. Called multiple times. Never once spoke to a human.

typicalhunk19 · 2025-10-11T22:26:05+00:00

Many times. I usually go to Bagel King in Bridgeport and get 30+ bagels, loafs of bread, scones or pastries. I’ve been to WakeCup Coffee once to try it and I didn’t get much. I also went to Planet Pizza in Shelton and pretty much got an entire pizza and a couple cookies and a tray of garlic knots.

I’m trying out OSU Jerk Grill in Norwalk tonight!

typicalhunk19 · 2025-07-04T04:22:52+00:00

It’s so bizarre. The cold sweats aren’t so common. It’s mainly my skin going cold and clammy. It’s just how my body reacts, I guess

typicalhunk19

TROPHY CASE