Adhd debt reddit. I’ve got almost 4k in medical debt.

Adhd debt reddit If you currently owe $9,500, that amount of relief will be applied to your loan(s). Those may be caused by impulsivity associated with ADHD, or they may come about because people use substances as a way to cope with their ADHD symptoms, including social difficulties, feelings of underachievement, and difficulty completing tasks. Hi there! Right now we're running a subreddit poll regarding rules. Snowballing is absolutely a great strategy as OP has said elsewhere but $60k debt is not a big deal in that bracket. So I got that going for me. We intend this comment solely to 21f almost 22, autistic, ADHD, C-PTSD from a bad upbringing, single, no school, no friends and only acquaintances, no social life, no car, no therapy or medications, in debt and desperately need to save money, living in a small city with not much stuff to do. I have about 30,000 in credit card debt total. I don't know if it's worth shouldering debt to pursue it, like you said, you can't be sure, but if it involves getting your life back, then it could be absolutely worth it. Don't bother calling me stupid I know I am the prime example of an idiot and its killing me I am now in 7k of debt from several places taking 700 bucks out of everyone of my 1000 paychecks I'm in an endless loop of advances because trying to not get evicted or starve Every time I make a move that moves me towards being debt free my adhd and ocd fuckin ruins it I'm unmedicated - so that you don't have to incur new debt for new expenses. Any debt made by a minor affirmed as an adult becomes a legal debt. I struggle with impulsive spending, so that's a major component to why the debt exists in the first place; but I'm also in school, have had to work less, and there's been quite a few NECESSARY purchases I've needed to make that haven't helped. I feel bad, but then I remember that many people my age still have student loan debt, car payments, and mortgages to pay off that add up to a lot more than that. I've always thought that money management was moreso about financial education, priorities, and some aspects of personality. If you would like to contact the mods, send us a modmail instead of DM-ing the moderators directly. This is my absolute last resort. Not a ton - because paying off debt is a huge priority - but enough to get into the habit of saving and to have a cushion to not need to incur new debt. Perhaps r/personalfinance or r/FinancialPlanning might be more helpful, because there are plenty of professionals there that can give you guidance, tools, etc. I was diagnosed with bipolar disorder and ADHD in my Skip to main content. Additionally, we take the safety of our community seriously. Most qualified medical personnel would likely you tell you the subtype instead of stating the obvious. I am still totally dependent on my parents. I ended up hospitalised in 2022 over a nervous breakdown. It’s like a debt I can never pay off. 7k in Credit Card debt, and I have no way to pay right now since I'm looking for a new job. She is in a lot of debt, and continuous to impulse spend. I have a debt of about $1,000 that went to collections a few years ago. I want to file time bankruptcy and start with a clean house and empty to ADHD seems to be something where a person can do absolutely any job, it's finding the job that you're obsessed with that you can hone in on and really take it to the next level. On my spreadsheet I have all of my cards listed, the utilization, their APRs, due dates, People with ADHD report higher levels of debt, impulse buying, difficulty saving money, and trouble understanding bank protocols — you might be able to relate to this, and you’re not alone. It made it less scary because the timeline to pay off wasn't super scary even though the debt is very, very high. You’re not alone I’m 23 dropped out of college due to severe anxiety. Unless this is OPs first year on the job and was using credit card debt to get by prior. I could blame ADHD, but I need to take responsibility for my actions. Or check it out in the app stores &nbsp; disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. this isn’t really the same thing but i was obsessed with pete burns for a while when i was 14 but other than that i mostly hyperfixate on groups of people. Thank you! I am a bot, and this action was performed automatically. But I believe in you! I have 3 bank accounts. THEN, I got on Reddit and joined this community, povertyfinance, and personal finance (sorry don't know how to tag the communities?), and check daily - the posts are very motivating and make me feel less alone in this. I don't know reddit, I feel hopeless. My household growing up was one of compulsive spending, hoarding, debt and shame around money (hellooooo undiagnosed neurodivergence). I always struggle with annual expense. I was addicted to energy drinks, 6 + a day because they calmed my mind then had kidney and stomach issues. Posted by u/Apprehensive_Till788 - 9 votes and 6 comments I'm just venting here but I'm honestly so tired of people who don't understand that undiagnosed adhd can cause huge issues with spending and getting yourself in debt Im trying really hard to dig myself out of the debt I obtained when I was undiagnosed adhd. Michelle Singletary, who is my favorite expert on this stuff, recommends keeping cash savings even when you still have debt to pay down. r/ADHD A chip A close button. Yes, having ADHD as an adult is absolutely common, but I don't think its common practice to literally write adult ADHD because by ADHDs very definition it has to be a lifelong disorder. My dream career requires education. I'm 22, in extreme debt, and am only now taking steps to fix my mental issues. Log In / Sign Up; Once I graduated and started making more money, I started driving that debt down, and used a strategy of paying the most to the highest interest debt, and the minimum for everything else. Put a small charge on auto draft to this card and set up automatic payments. We're an inclusive, In turn, no debt. When I first failed out of school I assumed that once I started on medication that my problems would be magically fixed, but like you that didn't save me and I was kicked out. I got into this situation due to unmedicated ADHD, the Pandemic, Long Haul Covid and Covid Brainfog and Menopause. Don’t know where to “People with ADHD have a higher rate of debt, more impulsive spending and more arguments with their partner/spouse over money issues,” said Stephanie Sarkis, Ph. I’ve got almost 4k in medical debt. Hi! I also have ADHD and I’d have episodes of overspending. Put 50% to debt and 50% to impulse spending to appease the ADHD toddler in your brain. Expand user menu Open settings menu. 7. Not to mention the actual bills I have to pay. Again, depends on the individual. I have ADD, but somehow it has never impacted my money. D, a national certified "People with ADHD are more likely to go into debt, impulsively spend and argue about money with their partner or spouse," leading expert in ADHD and money management According to research exploring the relationship between ADHD and financial distress, adults with ADHD face more difficulties paying bills, use credit cards more compulsively, and are more likely to use very high-interest Hold yourself accountable for your spending, and fix the behavior that's getting you into more debt. But I need something more, and I would like more money to pay down debts, which is another worry, so I really need to start applying and stop worrying I will make same mistakes again. Get the Reddit app Scan this QR code to download the app now. Hello! I am going to attempt a few remission too based on newly diagnosed adhd which has made sense of my whole university experience. That's how much I have too at age 35. Meaning — I think you now have 14k balance with 49k limit, so you’re ratio has significantly improved. Balance to limit ratio is between allaccounts on my credit reports, not each account. I just wanted to share this victory with fellow people with ADHD. But for me, it felt huge. I have no idea where to start to get myself of the financial mess (maxed out four credit cards) and get my finances on track again. Once the first card was paid, I took all the money I had been putting toward the first card, and put it toward the second highest interest rate. I was wondering if anyone found I've gotten my ADHD under check with the help of medication, exercise, sleep, and slowly building up good habits. but it has been a long slog. After eight years of college I will be dropping out with zero degrees and tens of thousands of debt. I make in the neighborhood of $70K annually, and I’m still in like, $15K of debt after almost 10 years (and nearly getting out of the debt like, twice during that time) And I still am fighting the urges to buy shit I don’t need to satisfy my weird little dopamine goblin. Can I join with these conditions and also what’s the asvab score for legal services and can you join with a small debt in collections. I know it is really, really hard to do, but accepting your ADHD and working with it rather than trying to change it is the only thing that’s helped me. I'm 36 Years old and rapidly closing in on $40,000 of debt (between a line of credit and a credit card). I could easily make it three days until payday with just $10, but We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. Share your stories, struggles, and non-medication strategies. I really struggle with managing my money and sticking to a budget. Including student loans I'm at about 112k in debt. I find that a lot of us with ADHD really excel in jobs that we enjoy but we all enjoy our jobs for different reasons. It usually goes: feeling x negative emotion->buy something for a dopamine boost->feel guilty for buying/doing the thing->start over. About 6 months ago I couldn’t pay of my credit card in full and since then it’s spiraled. I thought it was a great change from most advice on the internet which is written by non-ADHD'ers (and it's painfully obvious I would say this as well. I’m currently drowning in debt due to my impulsive behavior and I don’t see a way out. I impulse buy, We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. I have a degree in a STEM field. It's only for people working for NGOs, the government, FQHCs, etc. We are a community of people with ADHD who are affiliated with higher education. Some studies have presented evidence that people with ADHD are more likely to fall within lower socioeconomic groups and to have lower life expectancy than the norm. (3) make them prove the debt. The problem is that sleep deprivation, especially when prolonged, makes ADHD symptoms worse. r/ADHD A chip A close button A chip A close button I feel you, as my ADHD is both a blessing & a curse for my editing too. This is a support group for those who share their lives with an ADHD partner. Get the Reddit app Scan this QR code to download the app now disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. I think it's true. OK is this ADHD-relatable-haha or We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. I’ll give the short version of this first. Or check disability-oriented peer support group for people with ADHD with an emphasis on science-backed losers, well you’re adding to the already considerable stigma ADHD sufferers face. ADHD has gotten me into some tricky situations with missed payments or late fees but never like this. Collections called and had me set up a payment plan to pay off my debt. I dx I don’t have ADHD, and I’m trying my best to understand everything about ADHD and handle all of our situations better. If putting 100% of your extra income to debt just isn't gonna work realistically, stop fighting yourself. We recommend browsing /r/adhd on desktop for the best experience. I have some big goals that require me to get my bills paid and debt down, which prob def makes it easier for me. One of the many struggles I’ve had is impulsivity, which leads to over spending. I was in £20,000 of credit card debt from not working for So there was that awesome Reddit thread with a bunch of ADHD'ers sharing real tips that have changed their life. View community ranking In the Top 1% of largest communities on Reddit. r/ADHD A chip A close button We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. Welcome to r/ADHDWomen!We’re happy to have you here. I couldn't control myself, so I had to get rid of it. I can get a curator who will use my income to pay off my debts, which can take up to 5 years. Anyone else feel like they’re in time debt? I’ve been putting things off and stealing time from myself for so long that now the mountain of things to do seems absolutely impossible. :) Celebrating Success I’ve found out my partner is venting about me and my ADHD a LOT on Reddit and I don’t The only happiness I get from life is in my wonderful partner, who has pushed me to fix my issues and has related to me in my autistic and ADHD traits. 1. She really, really struggles with impulse spending, and she always has. This isn't education debt or unexpected crises, this is accumulated through my adult I was "living the dream", until I wasn't. ADHD seems to be a major source of poor self-esteem and we We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. Posted by u/hdhddjhxhxhx - 8 votes and 13 comments I am kind of in debt I guess and I am so stressed about it, I genuinely have no idea how I’m gonna save up all of that money on time (I have a service dog in training and I need to pay over €10 grand still in the next year and a half). Paying off debt - nope, I’m automatically funneling a percentage of my paycheck into a savings account only used for debt payments and making it to the next paycheck on what I’ve budgeted. Hi u/Adventurous_Life2946 and thanks for posting on r/ADHD! Please take a second to read our rules if you haven't already. I have 4 annual expenses throughout the year totaling ~$3000. I’m 19 and just starting out in life. If you would like to I'm almost 37 with two kids that are Elementary age and no college degree. It even induces many ADHD symptoms in non-ADHD people (Many docs won't treat ADHD or begin to entertain ADHD as a diagnosis until sleep hygiene and duration has been maintained for some amount of time to rule this out). We get a lot of posts on medication, diagnosis (and “is this an ADHD thing”), and interactions with hormones. 23 votes, 19 comments. I got InTouch with citizens advice who were super helpful, helping me also get on top of my current out goings as well as my debt, I told them about my ADHD and they were very It's hard to hold onto money with adhd. Posted by u/SketchTHESmeargle - 211 votes and 32 comments We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. It took me a little longer and twice as much debt but I’m joining you now! We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. She has diagnosed ADHD and is on medication (not sure if it’s the right dose yet, she just started it within the past few months). Or check it out in the app stores Can I join with a stutter and astigmatism and ADHD (I’m written off for 2 years). Debt A: $1000 divided by $50 payment = 20 Debt B: $500 divided by $50 payment = 10 Debt C: $200 divided by $20 payment = 10 In this case, choose debt C to get that out of the way and get yourself an extra $20 per month and cause to celebrate a little. Posted by u/jason_stanfield - 9 votes and 9 comments Posted by u/hdhddjhxhxhx - 8 votes and 13 comments I’m not sure it is possible to improve working memory for people with ADHD, it’s a core part of what makes us have ADHD, which can be managed but not cured. I failed so many subjects because I just couldn’t “do it”; this resulted in $20k extra on my HECS, 7 years later. Embed Go to ADHD r/ADHD • by Substantial-Policy-3. I get X amount of dollars out of the bank on payday. Your feedback matters and can lead to subreddit changes and improvements. I had to lose it all to see my predicament. I am 22 and I was never taught how to manage money and can’t control my impulse to buy things, I am moving in may to move in with my girlfriend and I don’t know what to do, I don’t make enough to get out of debt by then even if I put 100% of my money into it. If OP is drowning in debt making over $200k there's something seriously going wrong with OP's budget and planning. I made a Provisions tracker (modeled after expenses) to list Loans/debt HELP PLEASE : r/adhdwomen - Reddit true Get the Reddit app Scan this QR code to download the app now. Don’t close the card entirely. Leaving ADHD untreated caused me to become underweight because I got addicted to exercise. Which is nice. ADHD people are very into the now, and while they understand the future they are bad at anticipating and estimating the future. From various companies. Posted by u/Apprehensive_Till788 - 9 votes and 6 comments We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. Petitioned for reinstatement with all of these recommended accommodations, emphasized that I now have the right tools to succeed. I've paid off a lot of my debt, but I feel like my life has lost momentum and purpose. For example, let’s say you’re eligible for $10,000 in debt relief. I never did. I’m hoping stronger medicine helps allow me to have some mental clarity to develop stronger disciplines and actually do something. Expand user menu I know this isn't exactly adhd but I feel like some people here might relate and I honestly don't know where else to turn. Got diagnosed with ADHD, Anxiety, Autism and a reading disability. He also has ADHD. I don’t have the same issue with staying up all night, but my ADHD has definitely been an issue for me on many projects, in lots of other ways. At 21 years old I filed for chapter 7 bankruptcy (which I’ve kept a secret from everyone) because I ran up over $15k in credit card debt and was sued by one of my creditors. ADHD people want to use all the resources available, they do not save. I took charge of my 19k in credit card debt today (and “is this an ADHD thing”), and interactions with hormones. I need good advice and help, I have severe adhd and have gotten myself into 13000$ in debt. Nearly a million and a half users say they 'feel My evaluation is in May. I get paid biweekly and I changed some bill due dates to align with each check. About 3 years ago, unmedicated, I bought about $2,000 worth of yarn for my crocheting hobby. 3 years later, have not crocheted for 2 years. This subreddit is a space for women to find support and discuss living with ADHD. true. Log In / Sign Community for autistic people with ADHD to ask advice, vent about Anyone else on here struggle with organisation with money and end up in debt and overwhelmed by it and start to bury your head in the sand, i did that which is the worse I too have ADHD impulse spending, it's been 7 months with a credit card, and I have $2. I lose my insurance at the end of the month because I'm too old to use their's now. Before being medicated the only way to not use credit for me was to not have it. And it feels insurmountable to get out of. barely making ends meet and overdrawing our accounts plus some debt with my parents and the bank. Also the pandemic did not help at all. Get app Get the Reddit app Log In Log in to Reddit. I failed university twice, humiliated myself and failed when trying to work because I couldn’t pay attention to instructions and seemed incompetent, with no diagnosis to explain 289K subscribers in the adhdwomen community. E: Taking on credit card debt to pay for it might not be Hi all, have made a complete mess of my finances following the height of my gambling addiction/depression. For debt payoff dopamine create payoff charts (google debt free charts) print them out and stick them up and color in when another payment is made. Yes that impulse control is a massive headache, waiting to buy is the best advice, do you need it or want it, if you only want it you don’t need it so try and put it off, the best way I’ve found to do this is to go through the buying procedure online, search for ages getting the rush, adding to basket, adding more to basket, imagining it being delivered, looking online for discount codes It’s really not entirely your fault, although you do bear some responsibility, with the poor adhd impulse control and not being taught how to use a credit card you are not the only one who this happens to and these ppl don’t even have adhd. I did all the right things, have a successful little business, and was told without a cosigner, I’d need to have no debt and a $30 000 down payment, and I’d maybe be I would love to hear from you all about your experience with debt, budgeting, and your overall relationship with money (positive, negative, and everything in between) as a person with ADHD. I got myself into a lot of debt and ignored it until it became impossible to continue doing so. I don't have child care nor can I afford it, so I work remotely from home but I only make 14/hr. They drive faster, take risks and are more likely to self-medicate with alcohol and I've posted in r/adhd and r/adhdwomen already, but I thought that there might be users here who would be able to provide some advice. It wasn’t massive enough that I needed any credit card debt help services but it worried me and caused depression, which would just cause a vicious cycle. Here you can ask questions, share tips & tricks or let off steam in our Weekly Vent thread. My interests are mental health, teaching, special needs, dyslexia and nature. We aim to help validate, educate and encourage one another as we navigate the challenges that come with an ADHD-impacted relationship. I do feel I can't trust myself with a credit card anymore. Humans are weird, so when you tell your brain "we have no money to spend", it panics and of course wants to spend money. I'm 38 years old and never had any credit card debt until 2020. Sorry if this isn’t helpful at all Posted by u/distractedbykittens - 15 votes and 17 comments Does anyone have any tips for managing finances and debt with ADHD? All the blogs and books I read don’t really help. Generally speaking the patient can be held liable for life saving medical bills they didn't consent too, but that means the collector will have to show how the lab was required. I have a law degree, a lot of debt (unless we forgive 50k, in which case I will still have A LOT of debt!), and a job that I struggle to do a good job in because it is tedious and not ADHD friendly. (4) I doubt ADHD treatment falls under a life necessity. Thank you! A moderator has not removed your submission; this is not a punitive action. . He refuses any support from me or to seek out debt advice, doesn't pay his fines, will often leave me short with his half of the bills each month, has debt from previous relationship but blames it all on his ex (mobile phone contracts and credit taken out in his name without his knowledge apparently) however I'm seeing more and more compelling evidence that suggests otherwise: We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. The mobile apps are broken and are missing features that this subreddit depends on. We encourage you to check out our And that's the struggle, saving money, and paying off debt. That dream is dead because of my failures and deficiencies. The ADHD Tax: debt edition . Skip to main content. 12 votes, 12 comments. The last thing is the most annoying and I wouldn’t recommend it until you’ve done everything else, but picking up a side gig or ad one job that can go 100% to debt repayment is the biggest bang Skip to main content. If you paid $1,000 during the payment pause, you’ll be automatically refunded $500—the remaining amount of your $10,000 of debt relief. I have almost 35K combined in consumer debt that I am trying to pay off but as you can imagine, I am drowning. I’m not sure it is possible to improve working memory for people with ADHD, it’s a core part of what makes us have ADHD, which can be managed but not cured. Selling my FIL’s house so we can one day buy our own - nope, I’m focused on fixing this one broken kitchen drawer, then on installing one piece of weather stripping, then on painting one Hey ladies, do you work in public service? Go to the federal student aid website to see if you qualify for this one-time exemption to the Public Service Loan Forgiveness program to get some debt forgiven!!! ETA: this is different from the overall student debt forgiveness program. I am easier going on my boyfriend because he has bad adhd which I have never dealt with before as no one in my family has it. Nearly a million and a half users say they 'feel at home' and 'finally found a place where people understand them'. I started to realize I had a problem and started to grow up and be serious. The average low end of debt my friends are in is similar to mine, but just for different things. If it matters, I live in Canada. I am gainfully employed. Or My boyfriend 20M keeps putting a lot of financial pressure on me 20F by calling out of work and getting deeper into debt. I was making payments on it for a while, but then they suddenly stopped charging. My defective brain. Posted by u/jason_stanfield - 9 votes and 9 comments Hi u/tryglav-and thanks for posting on r/ADHD!. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. That alone should greatly raise your credit score in coming months. 1K subscribers in the adhd_college community. I’m currently in 5 figure credit card debt. 9M subscribers in the ADHD community. They may think a task or an expense will cost 5 dollars but in reality it is going to cost 50 for the ADHD person was bad at estimating. I want to go to school but I don’t think I’d follow through with it because of my ADHD and I’m afraid of that and being in massive debt. Please take a second to read our rules if you haven't already. I've got an excel spreadsheet set up that I track every month (or three (ADHD eye-roll)) that lists all my debts, all my cash/checking/saving balances, all my retirement, and all my worldly possessions that would really be worth selling & what their current going rate is. r/ADHD A chip A close button A chip A close button I completely paid off my credit card debt today!!! I’ve been able to do it for months but kept forgetting, but today I remembered. Then, take that extra twenty and start knocking down debt B until it’s gone. like when i was 12 i hyperfixated on pornstars and their lifestyles, at 13 it was club kids and drag queens, 14 it was 60s starlets, 15 i hyperfixated on the 80s and mid 90s, 16 it was 00s gyaru girls, and now Hey friends, I have about 10k in debt I'm trying to get paid down. If you haven’t already, CLICK HERE to navigate to a Google Form to vote on rule changes. After going to a psychiatrist and discussing my entire life I was diagnosed with ADHD. This poll has four sections, and there is room for you to leave written feedback as well as your reddit username if you wish for us to follow up with you. I’ve been bullied harshly from 5 -18. r/Debt A chip A close button. I work in unscripted TV Something that really needs to be talked about more is how overconsumption correlates to ADHD. Reply reply You can also hyper focus on TV, video games, reddit and advance nothing. Isolated myself from the world , lost friends , Became addicted to weed. Since I earn 1200 euros a month and my debt is about three or for times the amount they will make me sell some of my stuff and pay me an extremely small amount of money every week so I can get some groceries. My impulsive decision making got me to seek help. Highly informative stuff over there. I have ADHD and have found impulse spending to be a huge challenge for me & I was covering rent for myself and my former partner this past year, so things have gotten very thin financially. I finally called a non-profit credit counseling service today and consolidated my cc debt. As a reminder, here are our community rules. I then started to get treatment. Or check it out in the app stores &nbsp; &nbsp; TOPICS This subreddit is a space for women to find support and discuss living with ADHD. I am not in a position to offer any advice right now, but I wanted to let you know that YOU ARE NOT ALONE! I’m proud of you for even acknowledging your debt and being open and honest about how you got here. She was jobless for a year or something before we got into the relationship, which got her under a lot of debt. <3 It took a very long time for me to get here, but I I kinda obsessively update my spreadsheet weekly. The mobile apps used for Reddit are broken or are missing features that this subreddit depends on. If you have questions about the subreddit, please do not hesitate to send us a modmail. Breaking free of the debt cycle will take some discipline. As of today my credit card debt is exactly $0. I have always been terrible with money having adhd and hadnt really been concered about the amount i owed until i had written this down recently. ADHD credit card debt but hopefully not alone . If I had it to do over, I would have stayed in the military. true 28 votes, 205 comments. We're an inclusive, disability-oriented peer support group for people with ADHD with an emphasis on science-backed information. As I’m working severely part time (not by choice). TL:DR I accumulated $27k of credit card debt over the last couple of years. Here are some things that have really helped me to start to work with my brain, instead of against it. getting purssured by extended family with collage, i know debt - Reddit true These are fantastic traits if you want to design someone who's predisposed to debt and despair. HTH! Also, I know that in the grand scheme of credit card debt, 5k is quite small - I know there are people out there with tens of thousands in debt. 1 for necessities (including debt), 1 for spending Does anyone else struggle with debt and stupid impulsive spending beyond your means? I have managed to get myself in and out of debt throughout my entire life and cannot stand doing this For an adult with ADHD, keeping impulse spending in check can be challenging, but your savings account and budget will thank you for taking the time to learn how. Now I'm not talking 5k in debt. Ive made a bunch of mistakes over the years and find myself in about 75k in debt at 33. I failed university twice, humiliated myself and failed when trying to work because I couldn’t pay attention to instructions and seemed incompetent, with no diagnosis to explain 50 votes, 11 comments. If you can physically cut it up, fine, but at least set your Netflix charge to that card and then have it paid automatically from your bank account so your score won’t go down the drain. Open menu Open navigation Go to Reddit Home. I treat savings like a debt I owe to myself so this worked perfectly. Members Online $10-13k is actually not that much. Credit cards are slippery slopes for a lot of ppl. Also I know that many people struggling with money don't have a wardrobe full of items with decent second-hand resale value that they can draw on to pay off debt. Flunked out of Law School 90k in debt. I can’t make the first payment or any payments for the foreseeable future. imbdn uct vhzoir vaqr hlwstcxj vxab htnnojf ydjy sasnf jpm