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  1. K

    What are our options if we can't lower our mortgage payment further?

    I would start renting out rooms if possible
  2. K

    Can voluntary repossession help me rebuild my credit faster?

    Perhaps consider trying to get the account removed from your credit report while continuing to make payments on the note. That note might actually be considered relatively inexpensive in 2024.
  3. K

    Why Do We Owe More Taxes When Filing Jointly?

    Get an extension until all paperwork is correct. File in October.
  4. K

    How can we save for a house and pay off debt while living with parents?

    I wonder if, even though your parents mentioned you don’t need to pay anything, their water and electricity bills might go up a bit with you there. It might be worth considering helping them with those expenses. After all, raising someone for 18 years comes with its own set of costs, and I can’t...
  5. K

    Should I take a lesser paying job to reduce stress and tackle my debt?

    Hi all. I'm considering leaving a job for one that's 15k less, but perhaps less stressful. I'm also acknowledging that I have around 60k of personal debt. I'm recognizing the need to address my shopping habits and I'm trying to find a way to get my life back on track.
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