>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?