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Anonymous
Unfucking My Life/Managing Immediate Future 2017-09-11 06:50:41 Post No.
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Unfucking My Life/Managing Immediate Future 2017-09-11 06:50:41 Post No.
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I have recently come to the realization that so far I have done nothing but put off disaster in my life. I went to college because I was a young impressionable retard who believed my parents knew best. Ever since I did nothing but rack up debts.
>30k in Student Loan Debt for 5yrs (IT Management/Supply Chain Systems). Work at a job very very VERY remotely related to this but only make 20/hr
>Leased a car (300month/36months for a 2016 Civic) after my car shit the bed, and I only had $3k in savings. Had to get a nice car because I live in PA and our inspection laws are retarded. Needed a car too badly to wait
>Moved out of parents house to an apartment (Only 400/m). Expected to only need about 1k to furnish, ended up paying about 2k for everything, deleting what I had saved back up
>Ended up in the hospital for an allergic reaction to Penicillin, saw two doctors in two hospitals (Went to see doctor at a walk in, then the next day my throat closed and I had call 911). Another 3k debt after paying out abut 2k from my savings yet again
>Probably got cucked in the Equifax thing
So I am 28
>30k loan debt
>Financed Car
>4k in credit card debt on an old credit card
>760 credit rating.
>$400/m left over after EVERYTHING is paid
Im trying to decide what to do next. Would it be prudent to
>Cash in my good credit to get a nice credit card with lots of benefits
>Start using that for all purchases till I can pay my old card off
>Start paying on my credit card debt while keeping the original card open to bolster my credit score.
>Put a freeze on my credit because of the leak
I know people have it way worse than me, and do dumber shit, but I felt like I was better than this before life gave me the ol' one-two-three.
Do you guys have a recommendation for a card that gives the best rewards/benefits? I never travel so I think i will get the most out of a cash back type deal.
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>>3432486
go backpacking in asia for a few years
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You Americans should stop with leasing or lending shit. Dept is interest for the jews. Go back to your parents, help them out in exchange for cheap housing. Find a job there, stack your money. Put $100 every month in ETF's and start playing the jew. Right now your heading towards slavery existance, which sucks balls and isnt rewarding nor secure!
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lol is this a joke
u really want to unfuck your finances? first of all meet with a professional and dont ask an indian basket weaving forum
second you should live much father below your paygrade
400/m rent
200/m food
300/m for car payment
300/m for everything else (utilities,gas,entertainment)
then spend all the rest paying off your loans starting with the highest interest (credit cards followed by the car)
your cay payment is what is fucking you, would have been better to buy something used in full without financing
you really only need 1 card (2 sometimes since 1 is not always accepted everywhere but u should really keep everything you can on one card)
consolidating all the spending on one card makes it easier to manage and see where your money is going. cash back and rewards are not worth considering for the most part. they are usually insignificant
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>opening a new credit card
no you fucktard. jesus christ your solution to having debit is to get into more debt
pay $400/month towards getting your credit card debt to 0. then pay off your car debt. then pay off your student debt.
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