I’m 18k in cc debt with a score of 675ish. I have a job (I’m looking for a new one) that pays $700 a week after taxes. ($2800 a month)
My expenses per month are as follows
Rent-$1000 (even with a roommate due to the prices I’d be only saving $200 a month and it isn’t worth the stress imo)
Travel-$150-$210 (job is too far to walk so I take the bus with the occasional Uber/Lyft)
Groceries-$350
Miscellaneous-$100-$200
Cc minimums -$400-$500
Everything else I throw at debt.
Is it worth it to try and figure out a way to lower my spending and continue chipping away at my debt? Or is there a better idea? Thanks in advance.
Edit: So to address a few things as I see people are bringing it up. Majority of my debt was from me being unable to work due to COVID and my health. So I was using my credit cards to survive (yes I know it was dumb but I didn’t have any other option at the time).
I want to get a second job but it’s a bit hard to do since I’m also a full time student. So I’m looking for a simple secretary job or something along those lines so I’m able to do my homework while I work.
I haven’t used my credit cards in some time. The debt is only getting lower but the initial debt and interest is what’s making them stay so high. Once again my credit cards are out of the picture.
Submitted September 05, 2022 at 10:57PM by thejellysaver https://ift.tt/QamBwAt
