I AM IN DEBT

bank pays off all your cards, you pay the bank back at a much lower interest rate– they will likely demand you close your accounts at best buy etc– and you should anyway.

suddenly bringing all your accounts to a zero balance will actually negatively impact your credit as well…. stupid system if you ask me but just wanted to let you know.

HOW?

Advice won't help you because you're a moron.

This. The highest I've ever paid for a car monthly was 400, and it was a brand new car, 25 grand, from the dealer.

You got fucked on that financing.

It's a 2016 v8 mustang…

How exactly do I go about to a bank and start this?

does it cost me credit points?

you are a retard, paying for that when you have debt

nice car but not worth it at all. Every person I know with a mustang has had problems and all before 30k miles where put on it. Expect to pay more on that thing than just 600 a month because its not if but when it happens.

the debt came afterwards

You spend $360/mo on lunch+coffee. That leaves you with $1,640 for the rest of the month. It doesn't sound like food is the problem.

I guarantee you're not buying lunch with all those credit cards.

Your point being? Those are a 20-24k car, nothing outrageous either.

Refinance your fucking car, man.

No, comic books and fancy clothes such as bugatchi, emporio armani…

clothing was my sin

Everyone you know with a mustang is more than likely a boy racer faggot that hoons the shit out of his car. Doesn't matter how well made the car is, hooning it will destroy it in no time.

This is also the reason why mustangfags are so reviled, and their insurance rates so high.

so you got the v8 to drive like a pussy? And yes everyone I know with a mussel car likes to drive fast. its kinda the reason they bough them :)

I don't own a Mustand because I'm not a faggot, thank you very much.

Enjoy your costly repair bills. Hope your parents at least taught you to work on your own car.

What do you what out of life?

I ask because I assume you're an adult.

So what fulfillment is reading comic books and wearing expensive clothes going to bring you?

I want

So what do you want, long-term? Why are you reading comic books and buying expensive clothes to get there?

mistook you for op by mistake last post sry and I agree dog a car all the time and it will crap out on ya fast.

I am a 23 year old foolish man who's vision has been manipulated by the concept of living life without self control, and without this control, I've become a fucking idiot, a poor idiot.

So I will ask, does this consolidation loan hurt my credit?

start sucking cocks fast friend

Stop caring about your credit. You need to get away from credit altogether and just buy what you can afford. You're so far in the hole, your credit is fucked already. You're losing a fortune as we speak on revolving interest.

Alright

Rice. Also, try niggering.

more like 7 years. Plus, after that you won't have any credit history so it'll still be hard to get a loan
don't declare bankruptcy it's not worth it

my parents declared it some time ago and their credit is good again…but I won' do that shit because they could get nothing.

oh anons this is the best part

In Feb I signed up for the mastercard black card which is a 500 dollar annual fee :^)

FUCKING STUPID ME FOR WANTING A BLACK CARD LMAO

Rice and beans and either kick the coffee habit or buy it in bulk on line. Make sure you ad some sort of fresh vegetables to your rice and beans and try to rotate it so you have a balanced diet. If you want to mix it up make your own bread and make soup from caned goods, but this can take quite some time to make so the rice and beans is the better approach. You really have to modify your spending habits. No impulsive buys, bring your own food when you go out. Also if you drink alchohol you need to kick that to the curb. If you don't have roomates, get some. Food and housing are the most expensive necessities. Depending on where you live you could get your monthly expenses to around $600 (i actually got mine to $400 at one point). The bad news is that this takes a lot of discipline, so you are going to have to become a new person. Suck it up, pay off your debts and don't ever go into debt again and start using cash. Some business will give you a discount for cash anyways. In the future if you get a high salary job you can get a cc again, since carrying around too much cash is dangerous.

Nigger, here are some habits you need to get into:

1.) pack your own lunch. I can eat healthy-ish for less than $3/day

2.) bring a coffee thermos with shit you made at home. Even if you buy expensive-ish coffee like I buy, you will still pay less than getting it from starcucks

If you are a burger, once you get your tax return, pay your fam first then knock out whatever balance you can on those cards (highest interest first). File your fucking taxes as soon as you get you w2 and interest paid statements. I've had good luck w/turbo tax. I am a retard when it comes to taxes, but I've been getting some nice returns.

smhtbhfam, those are shit. In fact, everything on the market is shit. In the past few decades everything's gotten exponentially worse while prices have skyrocketed.

Even brands like Prada, Burberry, et al. make most of their stuff in China/Eastern Europe. What's still "Made in Italy" is often made in near-sweatshop conditions by Chinks (in italy). Additionally, there's no end to the kikery and obfuscation regarding the origin of manufacture for even respected houses. I know for a fact that Louis Vuitton makes their bags in a workshop outside L.A. staffed by spics out of hides tanned in Mexico.

tl;dr: even if you were spending tens of thousands on fancy designer clothes/shoes you'd still be getting absolute shit. The construction's shit, the material's shit, the workmanship is shit. Shit, shit, shit. The whole industry just caters to rich niggers, chinks, and goatfuckers who wouldn't know quality if it bit them in the ass. /rant

t. fop

thanks

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Get okay at art and then make furry porn auctions.

Eat cheaper, brew your own coffee.

kbb.com/ford/mustang/2016/gt-coupe-2d/?vehicleid=410717&intent=trade-in-sell&mileage=20000&pricetype=private-party&condition=very-good
how much do you owe on it? chances are you could sell it and have enough left over to buy an economical shitbox. Boom, an extra $600/mo right ther

shit taste in car.

PS: I know it's hard. Cars are awesome. But you're in debt $11k at probably 20-25% interest. That's just not sustainable.

Nordstrom rack will have "nice for department stores" clothing at a really good bargain. Just have to canvas the joint for a while to get what you want.

go to your bank, even over the phone or on-line, and say you'd like to apply for a conciliatory loan to save interest on repaying department store credit cards you used carelessly before you learned your lesson.
You can ask the bank if it will cost you credit points, but because of your steady income, frame it as merely a cost savings measure whereas it would not be difficult to pay them off normally, but why not save some money? See if they have any advice on the best way to avoid the credit score slumping, if it in fact does. Also, instant coffee bought in large containers on sale comes out to pennies a cup and that adds up to a significant amount over months and years.

thanks

It's really not hard to not be in debt just don't get a credit card or take out any loans

Don't get me started on fucking outlet stores.
Nordstrom Rack, Neiman Marcus Last Call, _ Outlet/Factory Store etc. are complete fucking scams

99% of their inventory is stuff manufactured specifically for the outlet store (that is, to even poorer standards than their usual crap). There are no bargains there because everything for sale was made to be sold at that price.

Also you can get 60 200mg caffeine pills for like 8 dollars 1 of which would have as much if not more caffeine than a stupid $3 coffee

no problem, I made some similar mistakes when younger so I got that type of loan and paid everything off. Keeping a pantry is another way to save a lot of money. Anything with a long shelf life that you will definitely use like pasta, toliet paper, canned goods– wait till they are on a good sale, buy lots and buy more the next sale too. Shop at more than one store, most stores have one cheaper item than other stores to draw customers in, but other items cost more.

How's burlington?

there are only 2 options which you don't want to do.
a. ruin credit forever with bankruptcy
b. consolidate and live cheaply

on a side note it's possible to call up the bank on a car loan and return the car without taking too bad of a hit on credit.
Especially if the car works and you aren't too far underwater.

What kind of retard has this much debt? You have been Jew'd.

the reason the system exists is to give creditors an idea of how likely it is they'll get their money back if they loan to you.
"suddenly bringing all your accounts to zero balance" generally means one of two things:
It should be pretty obvious why such a thing would lower their trust in you.
they don't expect you to be getting any more of those so loans in the future might not be payed off at all.

Quit being a retarded fatass.

I paid 35K cash on my school loans when I won it in Vegas. My score did not go up one point, the system is flawed and I stand by my statement, it is a stupid system.

Student loans are not considered toward credit.

Are you a nigger OP? Because you've got nigger-tier money management skills.

Okay, never mind what I asked in . You're definitely a nigger.

Stop spending money.

STOP BUYING APPLE PRODUCTS.

lay off ebay for a while.

bit buy bit and don't do the whole "good debt" thing too much, too much "good debt" is actually bad debt.

Fuck the credit score, that is just a kike scheme to sell you more debt.

Borrow all you want and bankrupt ya self so schlomo goldenberg cries more at night than when his wife ran off with a schvartzer.

this is what poverty is in the first world: not starving because you can't afford food, but being broke because you spend like a retard

600 bucks a month on the car? Fuck that, sell it and get a shitbox that'll get you to work and the store.

Yes, you do need to take a dip in your lifestyle if you want to get ahead of this problem. If you're not willing to do that for a while, you will remain behind.

1. Sell the car and clear the debt. Take the bus or buy a dunger $1k car that'll last you a year.
2. Take ramen for lunch.
3. Progressively clear the debts, start with the smallest. Consolidate with your bank if you can
4. Cut up all the cards.
5. Once you're back in the black, make sure you stay there. Sustain your cheaper lifestyle until you have 6 months cash to live on saved in the bank. Then, increase your lifestyle if you like, but maintain that 6 month buffer.

Funy how we represent wealth in this country but the whites would rather us stay poor or spend it on rims.

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not everything is a game

who said anything about games?

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bring your own food to work!

How hard can that possibly be.

Make a tasty sandwich that will cost perhaps 50 cents

Or do it like normal people and cook a bit more at dinner and put the rest aside.

what is that in the pic? it looks awful

some waffles with a buttload of strawberry jam.

Its your own fucking fault

Jalapeño strawberry waffles. They're quite popular in America

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OP I pay $360 a month for a mercedes, how'd you let someone jew you out of 600? Either sell the car and get a cheaper, used car or if you really want to keep it, refinance. And see if you can get comparable insurance for it for cheaper from a different company.

Get used to eating rice, tortillas, bread, lunch meat, pasta, etc. you'll save a shit ton on food. You can buy a lot of meat on a decent budget.

Start paying off the debt with the highest interest rate after you pay towards the interest. Your focus should ideally be on minimizing interest payments as much as possible

And make a budget so that you have all of your monthly expenses in front of you. That way you can eliminate anything that's not absolutely necessary. What's your living situation? how much do you pay in rent every month? If you live by yourself in an apartment, get some roommates so you can bring that cost down.

pick one

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TBH OP to buy time just do what smart goys do: get more credit cards
Lots of cards have introductory shit like 'no interest for a year' move all your debt onto this card.
Wash rinse repeat :^)

you do realize that even if you cancel the debtcard, that company is still gonna headhunt you for the money you owe them? and some cards won't take you if you're in debt like that?
fucktard

either leasecuck or CLA detected

Eat a granola bar or 2 for lunch, then frozen shit for dinner

Also $3 coffee, what?

Buy instant coffee packs or a coffee machine

You don't need credit,so don't pay any of that shit.

To do that you have to either be rich or stupid, and we know which one you are.

Keep the car but don't pay the notes,save that money until they repo it.
Buy a beater for 3 thousand and save for a better one if you even need a better one.

from now on you only buy things with cash

Just because of this alone you shouldn't ever be in debt unless you would suddenly lose your job and you can't find a new one quickly.

How the fuck do people like OP function in their minds that they can spend ridiculous amounts of money on dumb shit? I may come from a poor familiy, but at least it taught me how to treat money. I really don't understand how people like OP have that much money to spend and they still get into situations like this.

Declare bankruptcy. I did and it was the best financial decision I ever made. Fuck the banks.

$2k a month isn't much in a lot of places.
Hell, it's fucking nothing where i live. You can easily spend $1200 on rent alone and that's for a "cheap" apartment.