Ivunsasu

u/Ivunsasu


r/personalfinance•

**UPDATE AS OF 6/6/8:**

Title loan was paid off today and I have my title back. Hate seeing the money leave my account but it was for the best. I'm looking at things from a time-value perspective. Now after I tackle this CC debt I can begin saving a bit more aggressively. Thanks for telling me what I needed to hear and not what I wanted to hear. I appreciate all of you!

Hello,

Last year was tough. Contract expired, dried up savings, and I was on the cusp of being evicted, so I had to take out a title loan on my car to avoid that. I got a job around that time, but my check(s) wouldn't come in until a few weeks after rent was due. During this time, I also applied for another credit ca

328

r/personalfinance•

All,

Here is my current situation. I'm sick and tired of paying minimums every month.. I just want to be free from this bondage known as bad debt. Credit score before all this mess was less than 500, now I'm almost at 600. Here's the current breakdown of my debt (dont have interest rates available on hand)

**LIQUID CASH ON HAND:** $900

**DEBT:**

**Secured Credit Card 1:** 100% credit utilization - $300/300

**Unsecured Credit Card 2:** 96% credit utilization - $720/750

**Title Max Loan:** $700 remaining, paying $150/mo

**Amount to pay back friend:** $500

**MONTHLY BILLS/EXPENSES:**

**Cell Phone:** $60

**MLGW (Utilities):** $

26