I am in the IT field and I sell guns online. I am indeed looking though. Jobs here are very scarce here, especially going into summer with all the kids taking them. But, I am looking.
Yeah, the gun market is stagnant. Everyone wants a deal in a market that has a super slim profit margin. I wish I could write apps.
I am trying to get on with a company I found as a home based IT support working up 30 hours a week and go nights at my current job for the other 40. My main job at nights is rediculously slow. 0-4 calls in 10 hours. I would be able to sleep. Sounds bad I know but its not frowned upon up there as long as you don't miss a call and being in IT I know how to make it so I don't. That would near double my income with no additonal driving and a greater than normal chance to still get sleep. If I play my cards right, I might be able to do it al in 4 days and have 3 off. It will be hard but I won't have to do it for more than a year I figure. I hope.
Update time. I used a couple of cards to keep them from closing. Kohls, Chevron/Texaco, and my Discount tire card. I paid them off as soon as the charge hit so they are not reflected. I got pants for work from Kohls (found a 30% off coupon and had a $10 coupon too). I got $10 in gas on my Chevron card. I got a flat tire fixed at Discount tire. So, nothing I didn't need but paid it all so it wouldn't accrue interest. I also got half of the $2k I had coming and managed to pay Amazon almost completely off ($1311 to get rid of all the interest bombs I had left). The other $1k remaining will not be coming in. I have gotten rid of all the interest bombs save one, Lowes. It drops next July. My tax refund should solve that if I have not paid it off by then.
As stated in an earlier post, I got some new cards. My overall UTIL is good now and my scores are recovering quickly from the HP's and new accounts. Some of the new cards have a 0% intro for BT's. I am going to take advantage of those to reduce the amount of my payments on some of these higher balance cards in hopes of bringing my individual UTIL on these cards down to normal. My only concern is I can only use about 50% of that available BT amount or I risk a high individual UTIL on the new cards.
So here is my new table. This is a benchmark table going forward. This is current as of today. Some payments were made today but their effect is reflected here already. From here on out I am down to just my bi-weekly paychecks. No large amounts to put down now so my progress will slow greatly until I can line up a second job. To top it off, I am sick now and having to take a few days to recover. If my numbers go up from here going forward, then I will have a problem. All of the cards are locked in the safe and not being used. Time will tell now if I can survive or need to file chapter 7 if I cannot find a second job.
My Citibank DC has a $3k limit of which I will move $1500 from another card listed here to reduce the payments.
My BCP has a $2k limit of which I will use $1k to give a little relief to one of these cards listed here.
My Chase Amazon Prime has a $2500 limit of which I will use $1200 to do the same.
I know the Chase Prime doesn't do BT's. I am going to run the card myself for the $1200 through my business and put that money on the cards after it hits my account. SO, what cards do you think I should BT to my new cards?
Oh, one more thing. My Chase FU is still being used. My car insurance and cell phones auto-bill to it (about $546 a month). That balance will fluctuate on the tables I post because I can't have them falling at the same time my house payment does. Most of that is insurance as I have a 17 year old daughter on my policy. I am working on reducing these this weekend. I get the cash back too and I apply that to the bill as well. Plus, I have an online savings with Chase that has a thousand dollars in it for emergencies.
WOW - I just found and read this entire thread........
First of all, I tip my hat to you sir for:
1. Putting your dirty laundry out for everyone to see and owing up to the mistakes that have been made.
2. Taking the advise from many of the very smart people here and putting a plan together.
3. Working your plan.
Good job! It is tough and I get that. I've been in your shoes twice in my life (60 years old now) and it is not an easy position to be in. In our case, we just sucked it up, made life changes, worked extra and got it all paid off. Sometimes all we could do was make the minimum payments, but we were NEVER late on any of them. We can still boast a perfect payment record today.
My advice is worthless based on the advice you have here already. I just wanted to give you kudos's and tell you that you WILL get through this.
Just please do all of us a favor! Once this mess is behind you, please do not let it happen again. I plan to follow your progress.
We will all be watching. 
@MyLoFICO wrote:Update time. I used a couple of cards to keep them from closing. Kohls, Chevron/Texaco, and my Discount tire card. I paid them off as soon as the charge hit so they are not reflected. I got pants for work from Kohls (found a 30% off coupon and had a $10 coupon too). I got $10 in gas on my Chevron card. I got a flat tire fixed at Discount tire. So, nothing I didn't need but paid it all so it wouldn't accrue interest. I also got half of the $2k I had coming and managed to pay Amazon almost completely off ($1311 to get rid of all the interest bombs I had left). The other $1k remaining will not be coming in. I have gotten rid of all the interest bombs save one, Lowes. It drops next July. My tax refund should solve that if I have not paid it off by then.
As stated in an earlier post, I got some new cards. My overall UTIL is good now and my scores are recovering quickly from the HP's and new accounts. Some of the new cards have a 0% intro for BT's. I am going to take advantage of those to reduce the amount of my payments on some of these higher balance cards in hopes of bringing my individual UTIL on these cards down to normal. My only concern is I can only use about 50% of that available BT amount or I risk a high individual UTIL on the new cards.
So here is my new table. This is a benchmark table going forward. This is current as of today. Some payments were made today but their effect is reflected here already. From here on out I am down to just my bi-weekly paychecks. No large amounts to put down now so my progress will slow greatly until I can line up a second job. To top it off, I am sick now and having to take a few days to recover. If my numbers go up from here going forward, then I will have a problem. All of the cards are locked in the safe and not being used. Time will tell now if I can survive or need to file chapter 7 if I cannot find a second job.
My Citibank DC has a $3k limit of which I will move $1500 from another card listed here to reduce the payments.
My BCP has a $2k limit of which I will use $1k to give a little relief to one of these cards listed here.
My Chase Amazon Prime has a $2500 limit of which I will use $1200 to do the same.
I know the Chase Prime doesn't do BT's. I am going to run the card myself for the $1200 through my business and put that money on the cards after it hits my account. SO, what cards do you think I should BT to my new cards?
Nice work, sir!
Get the QS1 and the spark under 69% ASAP - FICO individual utilization score breaks are every 20% starting at 89%...so BT at least enough of those cards to do that
After that, I'd start killing the highest interest rate cards first, making sure to use no more than 68% of the new cards to avoid killing the individual utilization on those cards
Great job dodging the BK bullet so far!
Too many guns? I think that is the first time I have seen those words put together. lol. I just sold about 20 and it pained me to do it. I didn't lose any money so that is one plus. I paid down my cards a good chunk too. I'd sell my body but I want my debt to go down, not up. 