cross-posted from: https://lemmy.world/post/33704049
Wanted to add, “Fuck Cars!!”
Car payments for decades of one’s life are not the way to go.
cross-posted from: https://lemmy.world/post/33704049
Wanted to add, “Fuck Cars!!”
Car payments for decades of one’s life are not the way to go.
hi there I’m somebody struggling with credit card debt who is considered extremely frugal with purchases
the bulk of my credit debt was incurred when I was forced to pay several months of rent using my credit card during unemployment that resulted from a mental health crisis
not everyone with credit card debt got those balances buying “frivolous” things and even many of those who did were buying those things as self-medication along the same lines as abusing alcohol, drugs, food, etc. (not an excuse, but still a reason to empathize)
a lot of people I know with large credit card balances have them because they were forced to put uncovered health expenses or astronomically large copays onto the cards in order to not severely damage their health or outright die
just a friendly reminder that the elite weaponize the working class sentiment of “some people are so much more lazy/irresponsible with money/etc. than I am!” to keep us at each other’s throats shaming each other instead of sticking together as a community
If anyone’s situation improves, look into converting credit card debt into a personal loan. The interest in some cases can be a lot less.
Usual disclaimers. Everyone’s circumstances are different, and not financial advice.
I just keep balance transferring it to new cards with promo 0% APR for some months
the balance transfer fees are significantly lower than card interest for sure (not sure about personal loan interest, I’ll have to check my bank)
every time I do this I hope that this time around is the time I finally pay it all off before a new crisis arises that I have to pay for. sigh