Debt

#debt · 9 voices

What people keep running into

Voices

What do you all actually use to pay down debt in an order that makes sense? I've got three cards and a personal loan and I keep bouncing between the snowball method and just paying whatever has the highest interest, and I never stick with either for more than a month. Tried a spreadsheet, closed it…
I did the math again last night on what my degree actually cost versus what I'm making four years out of school. It is not a good number. Tuition plus interest versus my salary puts the break even point somewhere past year twelve, assuming nothing goes wrong between now and then. My parents keep…
my income based repayment plan is up for recertification again and the paperwork wants three different kinds of proof for one pay stub that already says everything on it. missed the deadline once already because i didnt understand what they needed. anyone have a system for staying on top of this? im…
My wife has started buying stuff online almost every night since the hiring freeze was announced at her company. Nothing huge, just little things showing up on the porch constantly. I get that it's a stress response, but the credit card statement is starting to worry me more than the freeze itself…
needed an emergency root canal last month and even with dental insurance im staring down 1400 dollars they wont cover, split into a payment plan the office set up with 0 percent for now. worried i wont stay on top of it once things get busy. how do you all keep track of payment plans like this…
Put a chunk of rent on a credit card during a slow stretch of freelance work and now Im just watching the interest eat everything I throw at it. Never carried a real balance before so I have no clue what Im doing. Which card are you supposed to pay down first? Is there a tool that maps it out or is…
Student loans came back into repayment right when my new job pays less than the one I lost. I have a spreadsheet now. The numbers don't work out.
The income-driven repayment plan I enrolled in two years ago just got frozen again by court order. My payment jumped $340 a month with no warning. I planned my entire budget around the program the government told me to sign up for. At what point is this just fraud?
Finished paying off my undergrad loans last year. Felt incredible for about a week. Then I did the math and realized I paid back nearly double what I originally borrowed. I did everything right. State school, part-time job, graduated on time. Still handed a bank fifteen years of my life.