Current Events > after my bankruptcy, what should i prioritze in terms of saving money

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_BlueMonk 04/10/21 11:10:20 PM #1:	what do Pay off student loans (will take 23-26 months, estimate) Save for a down payment on a house and mortgage what do - Results (29 votes) Pay off student loans (will take 23-26 months, estimate) 65.52% (19 votes) 19 Save for a down payment on a house and mortgage 34.48% (10 votes) 10 it'd be nice to be without debt, but thats 2-3 years still paying rent and not saving any money. plus we plan to have more kids, and this place is only 2 bedrooms. hmm.. hmmm --- JISOO JISOO <cite>_BlueMonk posted [p:952698755] in after my b... [t:79399073]...</cite> <quote> what do Pay off student loans (will take 23-26 months, estimate) Save for a down payment on a house and mortgage Vote View Results what do - Results (29 votes) Pay off student loans (will take 23-26 months, estimate) 65.52% (19 votes) 19 Save for a down payment on a house and mortgage 34.48% (10 votes) 10 Show Voting Form it'd be nice to be without debt, but thats 2-3 years still paying rent and not saving any money. plus we plan to have more kids, and this place is only 2 bedrooms. hmm.. hmmm </quote> ... Copied to Clipboard!
samurai bandit 04/10/21 11:11:57 PM #2:	Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea --- Go and watch Ef ~ A tale of memories now! <cite>samurai bandit posted [p:952698825] in after my b... [t:79399073]...</cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea </quote> ... Copied to Clipboard!
Drpooplol 04/10/21 11:12:55 PM #3:	You're having a kid, right? Build up 6 months of expenses before either of those. Also you're gonna have a really hard (maybe impossible) time getting a mortgage for years after a bankruptcy. --- "Or do you want to know more about my vagina?" LIE "No" <cite>Drpooplol posted [p:952698852] in after my b... [t:79399073]...</cite> <quote>You're having a kid, right? Build up 6 months of expenses before either of those. Also you're gonna have a really hard (maybe impossible) time getting a mortgage for years after a bankruptcy. </quote> ... Copied to Clipboard!
Drpooplol 04/10/21 11:13:03 PM #4:	samurai bandit posted... Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea no --- "Or do you want to know more about my vagina?" LIE "No" <cite>Drpooplol posted [p:952698858] in after my b... [t:79399073]...</cite> <quote>samurai bandit posted... </cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea</quote>no </quote> ... Copied to Clipboard!
Master_Bass 04/10/21 11:13:29 PM #5:	samurai bandit posted... Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea No, you can't get rid of student debt through bankruptcy which is one reason the whole college system is busted. What interest rates are your student loans, TC? --- Many Bothans died to bring you this post. <cite>Master_Bass posted [p:952698870] in after my b... [t:79399073]...</cite> <quote>samurai bandit posted... </cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea</quote>No, you can't get rid of student debt through bankruptcy which is one reason the whole college system is busted. What interest rates are your student loans, TC? </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:13:52 PM #6:	samurai bandit posted... Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea Nope. but hopefully biden and congress will wipe out our federal loans still gotta pay my private loans :( --- JISOO JISOO <cite>_BlueMonk posted [p:952698886] in after my b... [t:79399073]...</cite> <quote>samurai bandit posted... </cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea</quote>Nope. but hopefully biden and congress will wipe out our federal loans still gotta pay my private loans :( </quote> ... Copied to Clipboard!
AloneIBreak 04/10/21 11:14:14 PM #7:	samurai bandit posted... Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea Generally student loans are not dischargeable under bankruptcy. Sometimes they are, but in most cases they're not. How old are you, OP? Do you feel 2-3 years of paying off debt will hold you back? --- CE's friendly neighborhood rationalist. <cite>AloneIBreak posted [p:952698897] in after my b... [t:79399073]...</cite> <quote>samurai bandit posted... </cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea</quote>Generally student loans are not dischargeable under bankruptcy. Sometimes they are, but in most cases they're not. How old are you, OP? Do you feel 2-3 years of paying off debt will hold you back? </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:14:39 PM #8:	Master_Bass posted... What interest rates are your student loans, TC? i think the federal loans are 5? my private loans are 5% currently, going up .5% every 6 months until a max of 9. --- JISOO JISOO <cite>_BlueMonk posted [p:952698908] in after my b... [t:79399073]...</cite> <quote>Master_Bass posted... </cite> <quote>What interest rates are your student loans, TC?</quote>i think the federal loans are 5? my private loans are 5% currently, going up .5% every 6 months until a max of 9. </quote> ... Copied to Clipboard!
CarrieChan 04/10/21 11:15:01 PM #9:	Bankruptcy seems useless if you can't get rid of your student loans. <cite>CarrieChan posted [p:952698926] in after my b... [t:79399073]...</cite> <quote>Bankruptcy seems useless if you can't get rid of your student loans. </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:16:12 PM #10:	AloneIBreak posted... How old are you, OP? Do you feel 2-3 years of paying off debt will hold you back? early 30s. yeah kinda. cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line. i dont want to be renting, being afraid of a landlord, with 2-3 kids and fear of losing my job and not paying rent, etc. --- JISOO JISOO <cite>_BlueMonk posted [p:952698975] in after my b... [t:79399073]...</cite> <quote>AloneIBreak posted... </cite> <quote>How old are you, OP? Do you feel 2-3 years of paying off debt will hold you back?</quote>early 30s. yeah kinda. cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line. i dont want to be renting, being afraid of a landlord, with 2-3 kids and fear of losing my job and not paying rent, etc. </quote> ... Copied to Clipboard!
Drpooplol 04/10/21 11:16:14 PM #11:	CarrieChan posted... Bankruptcy seems useless if you can't get rid of your student loans. no it doesnt? --- "Or do you want to know more about my vagina?" LIE "No" <cite>Drpooplol posted [p:952698976] in after my b... [t:79399073]...</cite> <quote>CarrieChan posted... </cite> <quote>Bankruptcy seems useless if you can't get rid of your student loans.</quote>no it doesnt? </quote> ... Copied to Clipboard!
powerman1426 04/10/21 11:16:53 PM #12:	Pay off debt? Take on more debt? Seems an easy one. With declaring bankruptcy and having outstanding debt, I'd hate to see what your interest rate would even be for a mortgage --- https://imgur.com/Zz8E0P3 https://gamefaqs.gamespot.com/boards/1439-the-help-desk <cite>powerman1426 posted [p:952698999] in after my b... [t:79399073]...</cite> <quote>Pay off debt? Take on more debt? Seems an easy one. With declaring bankruptcy and having outstanding debt, I'd hate to see what your interest rate would even be for a mortgage </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:18:10 PM #13:	powerman1426 posted... Pay off debt? Take on more debt? Seems an easy one. With declaring bankruptcy and having outstanding debt, I'd hate to see what your interest rate would even be for a mortgage yeah it wont be stellar, but once my credit score is back up ill refinance for a better rate unless the economy screws up again <_< --- JISOO JISOO <cite>_BlueMonk posted [p:952699053] in after my b... [t:79399073]...</cite> <quote>powerman1426 posted... </cite> <quote>Pay off debt? Take on more debt? Seems an easy one. With declaring bankruptcy and having outstanding debt, I'd hate to see what your interest rate would even be for a mortgage</quote>yeah it wont be stellar, but once my credit score is back up ill refinance for a better rate unless the economy screws up again <_< </quote> ... Copied to Clipboard!
AloneIBreak 04/10/21 11:19:23 PM #14:	_BlueMonk posted... early 30s. yeah kinda. cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line. i dont want to be renting, being afraid of a landlord, with 2-3 kids and fear of losing my job and not paying rent, etc. Well, if you can save for a house while at the same time paying your student loans on time, I don't see the harm. Obviously having no debt is good, but if having a house will bring you greater personal satisfaction and increase the happiness of your family, that's probably the way to go. I work for a student loan servicer and have no sympathy toward the student loan industry. --- CE's friendly neighborhood rationalist. <cite>AloneIBreak posted [p:952699104] in after my b... [t:79399073]...</cite> <quote>_BlueMonk posted... </cite> <quote>early 30s. yeah kinda. cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line. i dont want to be renting, being afraid of a landlord, with 2-3 kids and fear of losing my job and not paying rent, etc.</quote>Well, if you can save for a house while at the same time paying your student loans on time, I don't see the harm. Obviously having no debt is good, but if having a house will bring you greater personal satisfaction and increase the happiness of your family, that's probably the way to go. I work for a student loan servicer and have no sympathy toward the student loan industry. </quote> ... Copied to Clipboard!
Squall28 04/10/21 11:19:36 PM #15:	bruh why are you planning to have more kids when you declared bankruptcy --- You can't go back and change the beginning, but you can start where you are and change the ending. -Misattributed to CS Lewis <cite>Squall28 posted [p:952699109] in after my b... [t:79399073]...</cite> <quote>bruh why are you planning to have more kids when you declared bankruptcy </quote> ... Copied to Clipboard!
powerman1426 04/10/21 11:19:55 PM #16:	_BlueMonk posted... yeah it wont be stellar, but once my credit score is back up ill refinance for a better rate unless the economy screws up again <_< A lender is going to look at that bankruptcy very poorly. Outstanding debt on top of it isn't going to be good. Get rid of that --- https://imgur.com/Zz8E0P3 https://gamefaqs.gamespot.com/boards/1439-the-help-desk <cite>powerman1426 posted [p:952699123] in after my b... [t:79399073]...</cite> <quote>_BlueMonk posted... </cite> <quote>yeah it wont be stellar, but once my credit score is back up ill refinance for a better rate unless the economy screws up again <_<</quote>A lender is going to look at that bankruptcy very poorly. Outstanding debt on top of it isn't going to be good. Get rid of that </quote> ... Copied to Clipboard!
Gruntling 04/10/21 11:20:04 PM #17:	Prioritize getting rid of your student loan debt first. --- *GRUNTLING* Since April 26th, 2003 <cite>Gruntling posted [p:952699132] in after my b... [t:79399073]...</cite> <quote>Prioritize getting rid of your student loan debt first. </quote> ... Copied to Clipboard!
sktgamer_13dude 04/10/21 11:27:02 PM #18:	You need time for the bankruptcy to leave your credit report anyway to get your interest rates lower. --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's RIP SMV 2/25/21 <cite>sktgamer_13dude posted [p:952699373] in after my b... [t:79399073]...</cite> <quote>You need time for the bankruptcy to leave your credit report anyway to get your interest rates lower.</quote> ... Copied to Clipboard!
KILBOTz 04/10/21 11:30:30 PM #19:	Pay off your debt and save emergency fund same time. Even when you buy a house you don't want that to tap you out because there will be unexpected expenses. Renting, I would say have $10k saved. Owning a house, I would say have minimum $20k saved up. Have you downgraded your lifestyle as a whole? no new cars, making all of your meals instead of eating out, not buying the newest or best gizmos and doodads, etc.? --- https://imgur.com/O3syCWD https://imgur.com/k3YiBdG <cite>KILBOTz posted [p:952699471] in after my b... [t:79399073]...</cite> <quote>Pay off your debt and save emergency fund same time. Even when you buy a house you don't want that to tap you out because there will be unexpected expenses. Renting, I would say have $10k saved. Owning a house, I would say have minimum $20k saved up. Have you downgraded your lifestyle as a whole? no new cars, making all of your meals instead of eating out, not buying the newest or best gizmos and doodads, etc.? </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:41:51 PM #20:	powerman1426 posted... A lender is going to look at that bankruptcy very poorly. Outstanding debt on top of it isn't going to be good. Get rid of that i mean in like 8 years when the bankruptcy falls off my report or they dont care. i read a lot of stories of people getting mortages just fine with fine rates after bankruptcy. --- JISOO JISOO <cite>_BlueMonk posted [p:952699853] in after my b... [t:79399073]...</cite> <quote>powerman1426 posted... </cite> <quote>A lender is going to look at that bankruptcy very poorly. Outstanding debt on top of it isn't going to be good. Get rid of that</quote>i mean in like 8 years when the bankruptcy falls off my report or they dont care. i read a lot of stories of people getting mortages just fine with fine rates after bankruptcy. </quote> ... Copied to Clipboard!
Payzmaykr 04/10/21 11:48:27 PM #21:	The best financial decision is to hold up on having more kids until yall are stable. Its unfair to the kid if you cant pay for it and it could get CPS in your business. This time, have ONE credit card and ONE debit card. Pay it off every month. <cite>Payzmaykr posted [p:952700050] in after my b... [t:79399073]...</cite> <quote>The best financial decision is to hold up on having more kids until yall are stable. Its unfair to the kid if you cant pay for it and it could get CPS in your business. This time, have ONE credit card and ONE debit card. Pay it off every month. </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:49:35 PM #22:	Payzmaykr posted... The best financial decision is to hold up on having more kids until yall are stable. Its unfair to the kid if you cant pay for it and it could get CPS in your business. This time, have ONE credit card and ONE debit card. Pay it off every month. nah im not doing that. i dont want to be 40, have no kids and go "well at least my interest rate is stellar!" we have plenty of support from my family to take care of our kids dont argue with me on this point. i wont budge. --- JISOO JISOO <cite>_BlueMonk posted [p:952700093] in after my b... [t:79399073]...</cite> <quote>Payzmaykr posted... </cite> <quote>The best financial decision is to hold up on having more kids until yall are stable. Its unfair to the kid if you cant pay for it and it could get CPS in your business. This time, have ONE credit card and ONE debit card. Pay it off every month.</quote>nah im not doing that. i dont want to be 40, have no kids and go "well at least my interest rate is stellar!" we have plenty of support from my family to take care of our kids dont argue with me on this point. i wont budge. </quote> ... Copied to Clipboard!
_BlueMonk 04/10/21 11:51:46 PM #23:	KILBOTz posted... Pay off your debt and save emergency fund same time. Even when you buy a house you don't want that to tap you out because there will be unexpected expenses. Renting, I would say have $10k saved. Owning a house, I would say have minimum $20k saved up. Have you downgraded your lifestyle as a whole? no new cars, making all of your meals instead of eating out, not buying the newest or best gizmos and doodads, etc.? we have 3 months of expenses saved up right now. im at a cross point of save for hour or pay off loans. and our spending was never the problem. it was too high rent and low paying job. but we moved so the rent isn't crazy and i got a new job that pays great. too bad it took 5 years to get there <_< sigh --- JISOO JISOO <cite>_BlueMonk posted [p:952700158] in after my b... [t:79399073]...</cite> <quote>KILBOTz posted... </cite> <quote>Pay off your debt and save emergency fund same time. Even when you buy a house you don't want that to tap you out because there will be unexpected expenses. Renting, I would say have $10k saved. Owning a house, I would say have minimum $20k saved up. Have you downgraded your lifestyle as a whole? no new cars, making all of your meals instead of eating out, not buying the newest or best gizmos and doodads, etc.?</quote>we have 3 months of expenses saved up right now. im at a cross point of save for hour or pay off loans. and our spending was never the problem. it was too high rent and low paying job. but we moved so the rent isn't crazy and i got a new job that pays great. too bad it took 5 years to get there <_< sigh </quote> ... Copied to Clipboard!
powerman1426 04/10/21 11:54:03 PM #24:	_BlueMonk posted... i mean in like 8 years when the bankruptcy falls off my report or they dont care. i read a lot of stories of people getting mortages just fine with fine rates after bankruptcy. In 8 years you should have that debt paid off. As well as saving up if you are going for a house, don't go in for a mortgage with shitty credit. If you've got the bankruptcy behind and the debt cleared, you're in the clear anyway. Taking on a mortgage with bad marks is only going to curse you further, refinancing is not a magic bullet --- https://imgur.com/Zz8E0P3 https://gamefaqs.gamespot.com/boards/1439-the-help-desk <cite>powerman1426 posted [p:952700223] in after my b... [t:79399073]...</cite> <quote>_BlueMonk posted... </cite> <quote>i mean in like 8 years when the bankruptcy falls off my report or they dont care. i read a lot of stories of people getting mortages just fine with fine rates after bankruptcy.</quote>In 8 years you should have that debt paid off. As well as saving up if you are going for a house, don't go in for a mortgage with shitty credit. If you've got the bankruptcy behind and the debt cleared, you're in the clear anyway. Taking on a mortgage with bad marks is only going to curse you further, refinancing is not a magic bullet </quote> ... Copied to Clipboard!
Tyranthraxus 04/10/21 11:54:44 PM #25:	samurai bandit posted... Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea You can't bankrupt out of student loans _BlueMonk posted... cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line. If that's your plan then I suggest doing it since it's going to be at least 5 years before you're going to get a lender willing to give you a mortgage even at an absurd interest. Most lenders are going to reject you outright. 5 years where you've had a steady job and rebuilt credit is basically the minimum. After 8 years they stop caring about bankruptcy entirely. --- It says right here in Matthew 16:4 "Jesus doth not need a giant Mecha." https://imgur.com/dQgC4kv <cite>Tyranthraxus posted [p:952700244] in after my b... [t:79399073]...</cite> <quote>samurai bandit posted... </cite> <quote>Wouldnt bankruptcy also get rid of your student loans? I seriously have no idea</quote>You can't bankrupt out of student loans _BlueMonk posted... </cite> <quote>cuz by the time its paid off, and we have time to save for a down payment, itll be 5-7 years down the line.</quote>If that's your plan then I suggest doing it since it's going to be at least 5 years before you're going to get a lender willing to give you a mortgage even at an absurd interest. Most lenders are going to reject you outright. 5 years where you've had a steady job and rebuilt credit is basically the minimum. After 8 years they stop caring about bankruptcy entirely. </quote> ... Copied to Clipboard!
Payzmaykr 04/10/21 11:58:29 PM #26:	It makes it difficult to give you advice if we dont have an idea of what level of help youre getting from family. What are they willing to pay for and what are they not? Im just saying that kids are literally the financial kiss of death and if youre already having one while going through a bankruptcy then it might be best to wait. Two years isnt really that bad. If you wont be convinced to wait two years, then you dont want to be maxing out credit cards and taking loans and stuff. Also, paying off loans should be priority number one, two, and three. <cite>Payzmaykr posted [p:952700339] in after my b... [t:79399073]...</cite> <quote>It makes it difficult to give you advice if we dont have an idea of what level of help youre getting from family. What are they willing to pay for and what are they not? Im just saying that kids are literally the financial kiss of death and if youre already having one while going through a bankruptcy then it might be best to wait. Two years isnt really that bad. If you wont be convinced to wait two years, then you dont want to be maxing out credit cards and taking loans and stuff. Also, paying off loans should be priority number one, two, and three. </quote> ... Copied to Clipboard!
powerman1426 04/11/21 12:05:13 AM #27:	Payzmaykr posted... It makes it difficult to give you advice if we dont have an idea of what level of help youre getting from family. What are they willing to pay for and what are they not? Im just saying that kids are literally the financial kiss of death and if youre already having one while going through a bankruptcy then it might be best to wait. Two years isnt really that bad. If you wont be convinced to wait two years, then you dont want to be maxing out credit cards and taking loans and stuff. Also, paying off loans should be priority number one, two, and three. The help doesn't really matter. Lenders don't care, nobody is offering a decent rate with this history. Might as well go pay day loan. If he pays off and rebuilds credit? Now we can talk --- https://imgur.com/Zz8E0P3 https://gamefaqs.gamespot.com/boards/1439-the-help-desk <cite>powerman1426 posted [p:952700509] in after my b... [t:79399073]...</cite> <quote>Payzmaykr posted... </cite> <quote>It makes it difficult to give you advice if we dont have an idea of what level of help youre getting from family. What are they willing to pay for and what are they not? Im just saying that kids are literally the financial kiss of death and if youre already having one while going through a bankruptcy then it might be best to wait. Two years isnt really that bad. If you wont be convinced to wait two years, then you dont want to be maxing out credit cards and taking loans and stuff. Also, paying off loans should be priority number one, two, and three.</quote>The help doesn't really matter. Lenders don't care, nobody is offering a decent rate with this history. Might as well go pay day loan. If he pays off and rebuilds credit? Now we can talk </quote> ... Copied to Clipboard!
Rathinor 04/11/21 12:12:02 AM #28:	Didn't you just recently claim to get some fantastic new job? <cite>Rathinor posted [p:952700687] in after my b... [t:79399073]...</cite> <quote>Didn't you just recently claim to get some fantastic new job? </quote> ... Copied to Clipboard!
Harpie 04/11/21 12:17:08 AM #29:	Definitely pay off the student loans first. Itll make your life so much simpler and easier. The 2-3 years is worth it --- no <cite>Harpie posted [p:952700803] in after my b... [t:79399073]...</cite> <quote>Definitely pay off the student loans first. Itll make your life so much simpler and easier. The 2-3 years is worth it </quote> ... Copied to Clipboard!
_BlueMonk 04/11/21 12:18:45 AM #30:	okay guys ive made my decision im putting it all in bitcoin! jk ill pay off the loans. --- JISOO JISOO <cite>_BlueMonk posted [p:952700852] in after my b... [t:79399073]...</cite> <quote>okay guys ive made my decision im putting it all in bitcoin! jk ill pay off the loans. </quote> ... Copied to Clipboard!
DarkChozoGhost 04/12/21 10:00:12 PM #31:	Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks --- My sister's dog bit a hole in my Super Mario Land cartridge. It still works though - Skye Reynolds 3DS FC: 3239-5612-0115 <cite>DarkChozoGhost posted [p:952769242] in after my b... [t:79399073]...</cite> <quote>Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks </quote> ... Copied to Clipboard!
_BIueMonk 04/12/21 10:02:30 PM #32:	DarkChozoGhost posted... Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks whatever. i did everything i did back then responsibly. i had budgets, worksheets, plans and everything. i didn't plan enough apparently, but shit i did my best. im not going to be disrespected by a bunch of internet trolls who think their shit dont stink. i hope nothing bad ever happens in your life. honestly. i wish you all the best. cuz you couldn't handle it. --- DAHYUN = <3 https://imgur.com/bv71aAd <cite>_BIueMonk posted [p:952769316] in after my b... [t:79399073]...</cite> <quote>DarkChozoGhost posted... </cite> <quote>Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks</quote>whatever. i did everything i did back then responsibly. i had budgets, worksheets, plans and everything. i didn't plan enough apparently, but shit i did my best. im not going to be disrespected by a bunch of internet trolls who think their shit dont stink. i hope nothing bad ever happens in your life. honestly. i wish you all the best. cuz you couldn't handle it. </quote> ... Copied to Clipboard!
Tyranthraxus 04/12/21 10:06:19 PM #33:	DarkChozoGhost posted... Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks From what he says he could probably avoid bankruptcy but he will end up with net more money long term by declaring this. The bad rap around bankruptcy is mostly from lenders who obviously don't want you to declare it. It doesn't have to be a last resort. Yeah it wrecks your credit for a few years but that hardly matters if you can't afford anything anyway because all your money is going to crushing debt. --- It says right here in Matthew 16:4 "Jesus doth not need a giant Mecha." https://imgur.com/dQgC4kv <cite>Tyranthraxus posted [p:952769472] in after my b... [t:79399073]...</cite> <quote>DarkChozoGhost posted... </cite> <quote>Wait, wasn't bluemonk addicted to getting credit cards in the mid 2010s? Now bankruptcy? Guess that kinda tracks</quote> From what he says he could probably avoid bankruptcy but he will end up with net more money long term by declaring this. The bad rap around bankruptcy is mostly from lenders who obviously don't want you to declare it. It doesn't have to be a last resort. Yeah it wrecks your credit for a few years but that hardly matters if you can't afford anything anyway because all your money is going to crushing debt. </quote> ... Copied to Clipboard!
DarkChozoGhost 04/12/21 10:07:20 PM #34:	I wasn't sure if that was you. You were always talking about all the perks of different ones. You went a bit too far clearly, but those topics were neat. Helped me decide what my starting credit cards should be. Which I've thankfully been able to pay off every month except for the brief period when I was laid off. --- My sister's dog bit a hole in my Super Mario Land cartridge. It still works though - Skye Reynolds 3DS FC: 3239-5612-0115 <cite>DarkChozoGhost posted [p:952769514] in after my b... [t:79399073]...</cite> <quote>I wasn't sure if that was you. You were always talking about all the perks of different ones. You went a bit too far clearly, but those topics were neat. Helped me decide what my starting credit cards should be. Which I've thankfully been able to pay off every month except for the brief period when I was laid off. </quote> ... Copied to Clipboard!
yunalenne10 04/12/21 10:12:20 PM #35:	Loans. The sooner you pay, the less interest you'll need to pay too. --- "The more beautiful and pure a thing is, the more satisfying it is to corrupt it." - Rule 43 <cite>yunalenne10 posted [p:952769684] in after my b... [t:79399073]...</cite> <quote>Loans. The sooner you pay, the less interest you'll need to pay too. </quote> ... Copied to Clipboard!
_BIueMonk 04/12/21 10:24:20 PM #36:	Tyranthraxus posted... The bad rap around bankruptcy is mostly from lenders who obviously don't want you to declare it. its hilarious actually. all i get are letters saying its okay and we're here for you and we can work something out. discover even offered me 200 dollars just to make a payment. they know bankruptcy is coming, and they want me to not do it. --- DAHYUN = <3 https://imgur.com/bv71aAd <cite>_BIueMonk posted [p:952770060] in after my b... [t:79399073]...</cite> <quote>Tyranthraxus posted... </cite> <quote>The bad rap around bankruptcy is mostly from lenders who obviously don't want you to declare it.</quote>its hilarious actually. all i get are letters saying its okay and we're here for you and we can work something out. discover even offered me 200 dollars just to make a payment. they know bankruptcy is coming, and they want me to not do it. </quote> ... Copied to Clipboard!
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Current Events > after my bankruptcy, what should i prioritze in terms of saving money