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deleted

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  1. Glenda,

     

    It sounds like you have tried really hard here and I sympathize with you. I also agree that it's the attitude more than the actual money that's the root of why you're upset. I think you would feel totally different if you felt he was invested in paying off the debt and that you were working better as a team on it. Plus, it's hard to live in such a high cost area. The basics are expensive!

     

    I guess the only thing I can think of is selling the car (even though it's financed, you can sell it to pay off the lien can't you?) and buying something either with cash from the sale or just something MUCH cheaper. Like a 2003 Saturn or something (just as an example, I drove a cheap ass Saturn all of college and it was good to me). Then whatever you're saving each month on a cheaper car could go toward the CC debt? I don't know.

     

    I hope he is successful in calling the card company and lowering the rate! That would be a big help.

     

    HUGS to you my dear!

  2. Quote:
    Originally Posted by FYB87 View Post
    Well...I just hope we don't do like most couples and fall asleep on their wedding night because it was such a long day! Maybe we should schedule a morning wedding!! LOL
    Uhhh yeah. I drank too much at my reception for anything to happen. Whoops! But it was so fun, and there was plenty of honeymoon time!
  3. OMG why have I not seen this thread in MONTHS? Am I blind?!? I love all of your homes and being able to get some design ideas. Our house is in a total state of half-done. I have a feeling it always will be.

     

    But here are a few pics anyway:

     

    I painted the master bedroom like 4 times before I settled on this gray color:

     

    Click the image to open in full size.

     

    Click the image to open in full size.

     

    Umm yes have I mentioned I have a craigslist addiction. I bought this sofa on craigslist for $80 and painted the wood frame a glossy white. My husband HATES it. But I love it. (Don't worry you won't hurt my feelings if you tell me you hate it.) I am trying for a very modern gray/yellow combo in here. I need new bedding though. And a headboard.

  4. Here is my generic non-professional advice:

     

    1. Call the credit card company and ask them to reduce the rate. I've heard about this being successful. They just might work with you! You should google this and find some "scripts" to use.

     

    2. Cut expenses! Go on a serious, major budget. Tackle the debts with living below your means. It's truly the only real way to get ahead.

     

    3. Like Christa said, sell the car. Seriously, I know that sounds drastic, but you are talking about planning for your FUTURE. You need a secure future, not a fancy un-paid-for car.

     

    4. I don't know if I would bail him out, personally, until you are married. This isn't a judgement against you (you know I love you Glenda!) but what message does it send if you just bail him out? Ultimately, he has to learn to live within his means. And it will mean more to him if he conquers this himself.

     

    5. Why not go to the library and buy some basic personal finance books to help guide you? How can you get James invested in solving this problem for himself?

     

    Anyway, I know this is a major stress-causer and I don't want to sound harsh. I just think you have to sit down and talk about your values and what you want out of your future together and how your debt is preventing that.

     

    Love you girl!

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