58k debt on credit cards

[psycopk]

2 minutes ago, Spartan said:

4k na @psycopk 

nenu lekkalu veyyali enta avutundo

grocery- 1k

gas/misc entertainment- 500

 

water, trash, electricity, internet-500

car-1k

house insurance, car insurance, life insurance, other house hold needs/random repairs on house shopping needs-1k

 

thats bare minimum

[baabaa]

1 minute ago, psycopk said:

grocery- 1k

gas/misc entertainment- 500

 

water, trash, electricity, internet-500

car-1k

house insurance, car insurance, life insurance, other house hold needs/random repairs on house shopping needs-1k

 

thats bare minimum

idi barest minimum bhayya. holidays vaste triplu/shopping ani inka limite lekunda potundi.

 

[quest]

18 hours ago, BReBeL said:

Consolidate chestham ani chala calls from different financial groups like personal loan at 5.99% ani can we believe that ? Emina work out avthunda? Can you guys throw some limelight on this please? Everymonth my salary lo 2k going to pay these cards min only 😞😞

5.99 is fake offer in this market/

[Telugodura456]

2 hours ago, psycopk said:

grocery- 1k

gas/misc entertainment- 500

 

water, trash, electricity, internet-500

car-1k

house insurance, car insurance, life insurance, other house hold needs/random repairs on house shopping needs-1k

 

thats bare minimum

very much lower end. Naaku water/gas/trash/electricity/internet/mobile ke 900 range lo untundhi.

grocery 1k is fine. But eating out is easily 600-800 many times 1k. 

Only cars is less for me .

Traveling 12k a year is easy peasy. entertainment another 12k, shopping easily 10k.

6-7k ba these days.

[sarvayogi]

have huge credit card loans only if you are able to pay off and expect good bonus constantly

else dont pile up..mental ekkutadi oka point ayyaka

[psycopk]

14 minutes ago, Telugodura456 said:

very much lower end. Naaku water/gas/trash/electricity/internet/mobile ke 900 range lo untundhi.

grocery 1k is fine. But eating out is easily 600-800 many times 1k. 

Only cars is less for me .

Traveling 12k a year is easy peasy. entertainment another 12k, shopping easily 10k.

6-7k ba these days.

anduke minimum anna

[Sucker]

2021 time lo many debt free ayyaru multiple jobs valla. Appudu free avvaledhu ante ippudu kashtam just flow lo povali or try hard to get another job at least for 6 months anthe kaani don't get another loan to clear other loan. Appudu loop lo vuntaru. It never ends. Just get rid of credit and close all this credit cards just use for credit score. 

[Skn_benami]

11 minutes ago, sarvayogi said:

have huge credit card loans only if you are able to pay off and expect good bonus constantly

else dont pile up..mental ekkutadi oka point ayyaka

Can relate anna. 2 years back 22k credit card debt, monthly around 800 minimum payment kadutunde. New statement ostunde malli adey 22k kanipistunde (I wasn’t even using them as they were maxed out). Hell unde ah time. 

[Sucker]

1 minute ago, Skn_benami said:

Can relate anna. 2 years back 22k credit card debt, monthly around 800 minimum payment kadutunde. New statement ostunde malli adey 22k kanipistunde (I wasn’t even using them as they were maxed out). Hell unde ah time. 

Give him tips anna yela overcome chesavo debt ni. 

[Skn_benami]

1 minute ago, Sucker said:

Give him tips anna yela overcome chesavo debt ni. 

Gave him one tip anna in one of the previous comments(my friend did that). My approach was tackled bank issued credit card first(smaller one), then a private card(higher interest), and at last another private card. 
 

prathi paycheck lo started putting 40-60% into payments. To supplement income, worked in a side delivery job. 

[BReBeL]

3 hours ago, Pahelwan2 said:

1 year back na credit card balance 14k ippudu after 12 months balance is still same 15k. Na paisal etu potunayo poni savings emina ainaya ante Adi ledu. Very tough to save money in USA. Restaurant poté 100$ trips ki poté 5k minimum bokka. Malla mana mandu sittings friends ni inviting poker stocks anni bokke. 

Same to shame 

[BReBeL]

43 minutes ago, Skn_benami said:

Gave him one tip anna in one of the previous comments(my friend did that). My approach was tackled bank issued credit card first(smaller one), then a private card(higher interest), and at last another private card. 
 

prathi paycheck lo started putting 40-60% into payments. To supplement income, worked in a side delivery job. 

40% paycheck petalenu bro but i will try this principle and see how it results

[Skn_benami]

35 minutes ago, BReBeL said:

40% paycheck petalenu bro but i will try this principle and see how it results

Yeah, 40% andariki kudaradu considering their own commitments. But try as much as you can. Also try calling those cc companies and see if you can get interest freeze for 2 months (Try it 2/3 times, pakka evaro okaru agree chestaru). 
All the best bro. Hope you will come out of it soon. 

[shaktimaan]

1 hour ago, Skn_benami said:

To supplement income, worked in a side delivery job. 

how many hours and how much do you make 

[Skn_benami]

10 minutes ago, shaktimaan said:

how many hours and how much do you make 

10-15 hours/week. Used to make 20-25$/hour on an average after expenses.