@Shogun wrote:Whittled mine down to $8.07 left one one account, DiscoverIT. And just paid it. Util now at $0.
Congrats!
In the garden until debt is paid off and scores are up!
Yeah, those unexpected expenditures are the worst when you're trying to bust debt.
I had to cover a $460+ heating bill for my mother because she got duped into signing up with some independent provider without reading the fine print. She saved a few bucks the first couple of months, sure, but lo and behold, the rate jacking I TOLD her would be coming... came.
And it came all over my face, because she didn't have the money to cover the sudden five-fold increase.
This isn't the first time I've had to bail her out, either. I'm not exaggerating when I say a good chunk of my debt was racked up keeping her (and by extention my f***ing failure younger siblings) from being ruined by their short-sightedness and absolute fiscal ignorance. I honestly don't know what the hell they're going to do when I leave the country next year, because I sure as sh*t won't be sending them a single red cent every month.
Seriously, they come to me every month asking for ~$1600 to cover the mortgage and other rate-jacked utilities as if I'm Mr. F***ing Moneybags. I want to tell them all to just f*** right the f*** off, but that wouldn't be nice, now would it?
Ugh. Just thinking about my family makes me want to punch kittens. Holy f***.
Anyway,
Imma tryin', imma tryin'.
I have a lot of things on my plate right now, and the last thing I need is another source of drain on my wallet.
I have four younger siblings who are just dead weight. Three of them are jobless and one's resigned herself to working in retail for the rest of her life. They ALL went to college, but two funked out, one became a hermit literally the day after he graduated, and one's working towards some fluff degree with ZERO employment prospects. I just want to scream when I look at them.
I'm just about ready to cut them off. I'm not going to support four grown assh*les for the rest of my life.
@Crisis wrote:
@Shogun wrote:Whittled mine down to $8.07 left one one account, DiscoverIT. And just paid it. Util now at $0.
Congrats!
Now I just have to pay off the DW's. She has $2700 on hers, just transferred it to a new Chase Slate with $0 BT, I'll have it paid off in a few months. Just didn't want to funnel all the cash reserves away.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Stralem wrote:Yeah, those unexpected expenditures are the worst when you're trying to bust debt.
I had to cover a $460+ heating bill for my mother because she got duped into signing up with some independent provider without reading the fine print. She saved a few bucks the first couple of months, sure, but lo and behold, the rate jacking I TOLD her would be coming... came.
And it came all over my face, because she didn't have the money to cover the sudden five-fold increase.
This isn't the first time I've had to bail her out, either. I'm not exaggerating when I say a good chunk of my debt was racked up keeping her (and by extention my f***ing failure younger siblings) from being ruined by their short-sightedness and absolute fiscal ignorance. I honestly don't know what the hell they're going to do when I leave the country next year, because I sure as sh*t won't be sending them a single red cent every month.
Seriously, they come to me every month asking for ~$1600 to cover the mortgage and other rate-jacked utilities as if I'm Mr. F***ing Moneybags. I want to tell them all to just f*** right the f*** off, but that wouldn't be nice, now would it?
Ugh. Just thinking about my family makes me want to punch kittens. Holy f***.
Anyway,
I know you didn't intend this to be funny and I know your frustartion, but 
I'm nearly in tears here laughing at this. I'm sorry, I know how a deadbeat can really grind your gears-been there, done that. Anyway, keep your head up and remember-this too shall pass.
@Stralem wrote:Imma tryin', imma tryin'.
I have a lot of things on my plate right now, and the last thing I need is another source of drain on my wallet.
I have four younger siblings who are just dead weight. Three of them are jobless and one's resigned herself to working in retail for the rest of her life. They ALL went to college, but two funked out, one became a hermit literally the day after he graduated, and one's working towards some fluff degree with ZERO employment prospects. I just want to scream when I look at them.
I'm just about ready to cut them off. I'm not going to support four grown assh*les for the rest of my life.
Has your brother that's the hermit seen a psychologist or psychiatrist? He may actually be suffering from a mental illness. If he is, there's a good chance that it's treatable, and that he can become a functional member of society.
I'm sorry to hear about your financial troubles, and I know what it's like to support family who take for granted that you have money in your wallet. I hope you are able to turn things around soon.
@Shogun wrote:
@Crisis wrote:
@Shogun wrote:Whittled mine down to $8.07 left one one account, DiscoverIT. And just paid it. Util now at $0.
Congrats!
Now I just have to pay off the DW's. She has $2700 on hers, just transferred it to a new Chase Slate with $0 BT, I'll have it paid off in a few months. Just didn't want to funnel all the cash reserves away.
Good luck! I don't blame you for not wanting to tap the reserves, especially with the option of transferring to a 0%