Recent content by LunarQuirk

hey, so u can get a loan and combine the 2 payments into one? might be less tbh

hey, just fyi MCM and JC do pay for delete they’ll take it off once you pay. Williams & Judge? they help schools get money back, but yeah we’ve gotten them removed too. btw, check the SOL ‍♂️ also, you can use FDCPA violations to get ‘em deleted, or just dispute it if it’s wrong. tbh, paying...

Got a spouse with lower income? If so, maybe think partnership Or set up a company instead, keep the profits there for now – pay less tax Could use that cash for investing, not personal stuff. Also, leaving money in the company is like rainy day savings Then you only pay tax later when you...

Try to keep the house fr, as a guy who's lost two houses after breakups ‍♂️ def try to keep it.

Ok, time to shut this down. Here’s what I did: Eating at home = srsly. Use food pantries. Finish all your toiletries/cleaning stuff before buying more. Wash & vacuum your own car. DIY mani/pedis Cut back on gifts. Made a regifting closet. Paid off my house!!! Took 9 cash trips. Had a...

Got a 582 credit score? Options r limited, but u can still get approved tho! Look into secured cards or credit builder cards they’re designed for ppl in ur situation and can help boost ur score over time . Keep ur utilization low and make sure no errors on ur report . U got this

Redo ur budget obvi & sell ur stuff, esp if u got a fancy car or smth . But tbh, the main move is gettin a side hustle lol. Like, 2 3 days a wk of extra grind & cash will help u pay it off quick. It's tough af, but it pays off & u'll b hyped to b done lol .

Hey! So u gotta pay the minimums and get at least $1k in that emergency fund . If u have another big expense like $700 900, that's what the emergency fund is for instead of adding to ur debt . Then u can choose to start chipping away at ur debt or keep making min payments and add to savings...

Heyyy! So I'm trying to get my debt under control, and I've got like $4k in collections. One of them even threatened me with a lawsuit, but tbh, I think it was just a scare tactic cuz I was never served. Btw, I just got!a secured credit card from Capital One—how do I use it to boost my score...