Need advice on debt and available options

Contrefaire

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This must've come from reddit.

With the current value of his home I take it they live in the Central Valley or in SoCal out in Rancho Cucamonga or some shyt. Just looking at their monthly expenses I can tell they bought too much house in a particular neighborhood and are trying to keep up with others. Since he's had a steady job and she's "only" been unemployed two years, it's not like they were surviving off credit cards to pay bills/mortgage, so clearly all that shyt they were putting on there was superfluous.

Did some math. His monthly expenses come out to $4800, meanwhile he only takes home $4500. Why in the fukk is that child still in private school? Oh I know, because that's what everybody else in the neighborhood does. Bet you anything their house is decked out in new furniture and their passports have many stamps. These are people with a massive spending problem and no ability to stop who probably thought "oh well, we'll just file for bankruptcy later":facepalm:
 
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TELL ME YA CHEESIN FAM?

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Are taxes in California is that bad?

:huhldup:

Wife can easily find a job paying 12-15$ that will help tremendously
That's beneath her though
:francis:
 
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DJSmooth

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Need to take the kid out of pre-school if the wife is sitting on her ass at home. Got damn.

Airbnb your crib if you got enough rooms.

Wife need a job at target.

How you rack up 96K on credit cards :mindblown:
 

Contrefaire

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Are taxes in California is that bad?

:huhldup:

Wife can easily find a job paying 12-15$ that will help tremendously
That's beneath her though
:francis:


The taxes are terrible. 40%+ on 100k breh. But that's not a surprise to someone living here so you plan and act accordingly. They should've either held off on that second child or opted to take maternity leave instead of her quitting thinking she could reenter the workforce at a later date. These people are stupid af.

The problem now is, her getting a $12-15/hr job isn't going to even remotely help dig them out of this hole. At this point, her income would barely even cover the monthly cost of daycare, so she'd basically be working JUST to pay someone to watch her kid while she goes to work.
 

BunchePark

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Jeus Christ lol I work in finance I see this everyday bruh

So glad I grew up poor

These are the type of nikkas who say shyt like "I get an extra check this month"


Smfh I currently have more cc debt that I ever had in my life $2033.34 lolol

I'm 35 years old

IDC wgere you work if you spending more than 50% of your net you are tripping man and I have never seen more than 75k net in my life I ain't no baller

nikkas kill me man I knew cats was off when nikkas started financing cell phones 2-3 years ago

"I'm cash poor"

"This is my slow season"

STFU p*ssy and learn to budget

Shame I went to prison for selling dope and sat in a CELL

And these cocksucker's can live like this smfh it gets a nikka hot

If you're in a tenth of the situation of this post slap yourself and if you're black and grew up poor and let the USA illusion of fukkery make you a new age slave to debt get to work!

You do not have to live like this, you go under trying to provide for a special needs kid paying out of pocket medical bills NOT because the card says it's gives 3% on food but the apr is 21.99%

Can I fukk ya wife too ya idiot
 

Hersh

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I'm not reading the first post.. but look into balance transfers.. consolidate all ur debt.
 
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