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How much of the $300 a month to Sheetz is gas? Because Sheetz is a terrible place to buy anything other than gas so I'm curious what "daily poo poo" means here.
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Sep 11, 2018 00:52
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| # ¿ May 15, 2024 11:04 |
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Adar posted:You make a net $36k a year after taxes (so like low 40's gross?) and owe $40K (including $10k on ultra high interest cards), own a house with barely positive equity, and have no savings, but also have bonus income + a shared household coming up next year and no student loans. You also want to be responsible going forward and are taking some steps in that direction. I think this is right, yeah. The thing is--someone who knows more about finance than I do should correct me if I'm wrong about this--but as I understand it, even if your current plan goes perfectly, 10 years from now your credit will be in about the same place as it will if you declare bankruptcy now and live smart thereafter. I mean if you just can't stand the stigma of being ~bankrupt~ then OK. But you might want to just squeeze out a couple hundred bucks to talk to an expert, who I'm pretty sure will also recommend declaring bankruptcy and starting over. Because that last line of Adar's post is the really important one--your current situation is such that if you lose your job tomorrow, you'll be forced to declare bankruptcy whether you want to or not by Halloween. And in TYOOL 2018, sooner or later you are going to lose your job. I know it sucks hard to hear it, but the most likely alternative to bankruptcy by far is that 2 years from now you lose your job to random corporate bullshit and then are bankrupt anyway and 2 years behind on rebuilding. Eric the Mauve fucked around with this message at 03:08 on Sep 11, 2018 |
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Sep 11, 2018 03:05
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