>tfw 20,000 credit card debt hanging around neck
Is anyone else on here retarded? I don't know how I did it but I managed to rack up 20 grand in credit card debt. I got a loan to consolidate it and lower the interest rate, I'm now going to be paying $500 a month for 5 years because of this shit. I hate being retarded. At least I learned my lesson though
I'm getting a second job here even though I make amazing money in the white collar world so that I can try and pay it off quicker.
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Depends on what age you got the card and racked up the debt. Most people who have a lot of debt due to credit cards misused them at a young age.
If you made "amazing money" with your white collae job, paying 500 a month wouldn't be a big deal. At least not enough to make you need a second job. Are you a Pajeet or something?
Consolidated 40k via sofi and paid it off in 3 years at ~1300 a month.
Considated another 40k at start of year. 5 years, 700 a month.
Wife and i make ~150k a year takehome.
That's pretty much me it was my twenties just got my first job out of college just got my first credit cards.
I make 94,000 a year. It's still a lot to me, That's a car payment or half of a mortgage or an extravagant trip across the world.
Should be easy for you to pay your debt quickly without any second job then. Guess you really are retarded like you say
Thank goodness for upstart dude credit cards were at 25% APR not even kidding
I have 50k in credit card debt now. I prayed for a solution. Then I started buying Chainlink (credit card and cash, have 30k stack). I could pay off the credit cards now thanks to the Link gains but I'm just riding Link and making minimum payments on the cards.
do they let you pay it off in advance?
You’re paying 30000 for a $20000 mistake. At least do yourself a favor and work overtime to get rid of it. Don’t just TRY. Actually fucking do it. Never ever open a credit card again, this will be your life until you die an old man that worked into his 70s. Stop taking the bait, stop using credit like every other broke retard and use CASH and DEBIT. Rewards are a fucking joke compared to the risk so stop lying to yourself.
Gluttonous retard alert.
Your income would smash your debt into the ground but you just can’t stop consoooominfnog oh yeah let’s get that Lexus oh shit omg that new UHD 4K tv might just fit all the way up my asshole, honey grab the credit card we’re going to Best Buy! Shit this Treeforms couch is only $66 per month for 18 years, that’s a fucking steal! I guess two air fryers are better than one! My asshole is bleeding from all the amazon packages omfg ouchohh yeah mr usps man pls shove that package in my ass I’m gonna CONSOOOOOM on you
Best post this year
How the fuck are you not able to pay off 20k when earning close to 100k a year?
Thats money you should have on hand or easily be able to liquidate from assets.
What did you even buy for this 20k? Have you considered selling it?
Bruh take some home and pay some of that down. You ain’t bankrupting that if you have assets. Go get a pet chihuhua puppy, by the time that thing dies of old age, you’ll probably still be in some form of consumer debt. Change yourself. All hail king Ramsey
20k is nothing for your income. Consider going into debt intermittently. Live it up one year, live like a pauper the next to pay down debt.
Wow, this must be the most idiotic posts that I have ever encountered on this board
Very good, fuck niggers and city faggots
No I dont have any debt because Im not a fucking drooling retard.
I'm*
Watch this
youtu.be
i did same thing in my 20s but i just didnt pay it back because after 7 years its wiped from your record
>30k to pay off 20k of debt
Fucking hell user
I do this on a quarterly basis lol. Currently I’m almost 20k in debt but it’s for a business so it’s not terrible because I have products I could liquidate.
20k credit card debt is a lot. I use dto have 20k but have since paid it off. Don't let the fags here bother you. This happens to a lot of people. It's probably your dad's fault for not teaching you the importance of money. That's ok. Boomers are a bunch of retards. Don't hate him for it but use it as a lesson to not repeat what he did
I have 3k credit card debt and make around 55k a year.
Have a kid coming july4th and my goal is to be debt free when he arrives. I ran the number and I’ll still owe 200 dollars.
If I wasn’t doing the right thing and paying for my sons whore mother because she lost her job to Coronavirus I’d be ahead of the game.
I want to know what you spent the money on. Go to your card account and give us a snapshot of the purchases from those years OP
Why marry a whore lmao
I had $40k in credit card debt that I wiped out by filing bankruptcy ezpz
>be ameritard
>waste 20 grands on iPhone Playstation and Porn
>doomed to pay 5 years $500/mo to at least '''''''consolidate''''''' the fuckin debt
The retardation is not about spending.
It's about making yourself a debt slave.
And that has huge political implications.
Lol yeah your a retard bro
>mortgage
Sell your house ASAP. Use the money to pay off the debt and move into a cheap apartment.
I did the same thing: bought a house, new car, racked up credit card debt by going to bars every night. Selling the house was the best decision I made.
i've got about 20k in credit card debt too op :( Even worse i've got no job apart from hodling crypto and trading the markets neet style
I do have about 40k in assets but i dont want to spend them paying it off i'd rather take my chances and try to make more money