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Old 06-25-2009, 01:39 PM
 
305 posts, read 805,297 times
Reputation: 162

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Unfortunately, I have about 600 a month in bills (car payment, insurance and credit card bills) and I'm not exactly a teenager without any expenses to pay for.

I have expenses I have to pay for and I need to get full time work soon.
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Old 06-25-2009, 01:41 PM
 
2,930 posts, read 7,058,545 times
Reputation: 1389
Quote:
Originally Posted by 8.00 per hour View Post
I found a roomate who wants to charge me $300 a month to stay in a 8.5 by 8.5 room with a small outside closet and I can't even afford to give him the $300 a month.
OP, honestly this person is giving you a very good option. I think you really need to check your priorities. Housing and Food should be above anything else. If you are in debt, maybe you should consider bankruptcy or just simply stop paying your credit cards. You can get a used car or use public transportation until you can afford a cheap used car. Regarding food, worst case scenario you can go to a food bank at a church and get food for free or for a very low price. Yes, you are probably gonna have to stay in line with a bunch of homeless but it is better than starving.
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Old 06-25-2009, 01:42 PM
 
Location: America
6,993 posts, read 17,359,800 times
Reputation: 2093
Quote:
Originally Posted by lolitazz View Post
OP, honestly this person is giving you a very good option. I think you really need to check your priorities. Housing and Food should be above anything else. If you are in debt, maybe you should consider bankruptcy or just simply stop paying. Regarding food, worst case scenario you can go to a food bank at a church and get food for free or for a very low price. Yes, you are probably gonna have to stay in line with a bunch of homeless but it is better than starving.
^^

This
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Old 06-25-2009, 02:47 PM
 
305 posts, read 805,297 times
Reputation: 162
I made alot of mistakes... I won't say I haven't but here is the deal.

I owe 4900 on my car and I pay 200 a month
My insurance is 140
I was in debt with credit cards and I owe the following
CCCS - Consumer Credit Counseling = 120 a month and about 2000 left
Citibank - 600 total
Dell - 700 total
Then Cell Phone/Gym

I'm canceling the gym, that's 20 a month but I cannot cancel the other bills. Currently I'm living at home.

Compared to owning a home I don't have alot of expenses but I have bills to pay.
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Old 06-25-2009, 03:07 PM
 
305 posts, read 805,297 times
Reputation: 162
Lowered my coverage on my car by $14.00 bucks, bringing it to $126.00 a month.

I guess that helps a bit.
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Old 06-25-2009, 03:08 PM
 
Location: America
6,993 posts, read 17,359,800 times
Reputation: 2093
can you possibly double up payments on one of the CCs until its gone? Maybe on the lowest one then double up on the bigger one and then cut the cards up. I am anti CC card like a mofo
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Old 06-25-2009, 03:24 PM
 
2,930 posts, read 7,058,545 times
Reputation: 1389
Quote:
Originally Posted by Wild Style View Post
can you possibly double up payments on one of the CCs until its gone? Maybe on the lowest one then double up on the bigger one and then cut the cards up. I am anti CC card like a mofo
Exactly, or you can try to pay whatever has the highest interest first, and then send minimum payments on the rest. I suggest that you call them and see if they can lower your interest and if no one is kicking you from your house, I would stay there until you can pay most of those bills. It shouldn't take more than a year or two. Time flies.
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Old 06-25-2009, 03:46 PM
 
305 posts, read 805,297 times
Reputation: 162
The CCCS is what's killing me that's $120 a month.

Citibank is $600, I can see if I can pay off that first. Interest is 28.99% they jacked it up on me.
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Old 06-25-2009, 03:50 PM
 
Location: Woodbridge, va
924 posts, read 2,603,224 times
Reputation: 451
Have you considered joining the military?
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Old 06-25-2009, 04:07 PM
 
305 posts, read 805,297 times
Reputation: 162
Quote:
Originally Posted by allcustomappliance View Post
I dont understand why people think that taxpayers should give them money. I go out and find work everyday and I support my family just fine. If you work part time go work at home depot or McDonalds in your off time there are jobs everywhere quit being so lazy and go work. I am tired of my tax dollars going to lazy ass people.

shut up, you know nothing.
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