How much are you in debt /b/ Fags don't lie give us your story
>>711060146
not in deep debt, but may be soon. job's paying shit all and rent's gone up. meanwhile im looking at getting even more student debt (probably around 18k) next year. life's gone downhill the past few months :(
>>711060146
Only about 8% of my total value, I find this shit easy to manage.
>>711060146
0 debt. Feels good man.
60000 in medical debt. The debt collectors are close, i can smell them.
>>711060146
10,000 fuck college
7k
payoff next year
1st time playing with a credit card turned out bad
15K student loans
zero credit card debt
zero car debt
still renting a house though. want to buy one soon. renting is dumb
>>711060146
10 G, I'll pay it off early next year though.
$7000. For to bring unemployed flee a few months. But I'm paying that back at $2000 a month now that I'm working again.
>>711060146
None, because I am not a retard that thinks people give out free money in the form of little plastic cards.
>went to university for a BS in professional physics
>worked all 3.5 years (graduated early), paid for all my schooling
>secured a 9 mo contract with a national lab
>after 9 mo are up, head to graduate school to work on PhD in high energy physics
>be now, PhD candidate, no debt, big truck (M923A2), nice apartment
Feels good.
I'm not in debt. If I can't afford something I don't buy it.
>>711060146
debt free here. college educated and own my house
>>711060838
It's call unsecured debt, faggot.
> PhD
wtf are you on /b for? You put the hey in ghey, buddy.
40k. I live like a rockstar on plastik bros
$5
My friend had to chuckus fivebuckus
>>711060146
I've lived my entire 25 year life without a credit card and without purchasing anything I can't afford with cash in pocket and by living below my means.
You people are retards. I came here to laugh at you.
>>711060146
around 10k. That sounds small I guess, but it's almost all credit cards I'm paying 15 to 25 % on. Life sucks. The whole reason I'm in debt is cause I kept trying for better and failing.
Discover Card---Balance: $326---$3,500 Limit
US BANK Card---Balance: $214---$8,000 Limit
Synchrony Bank---Balance: $222---$10,000 Limit
Citi Bank---Balance: $68---$3,000 Limit
Your total credit card balance
$830
÷
Your total credit card limit
$24,500
=
Your credit card utilization
3%
27 years old $60,000 a year
>>711061379
Those are some pretty shit limits TBH
>>711060146
$100k left on mortgage
no CC debt - pay off every month
Probably a lot, I don't know. A few grand in hospital bills, two grand in student loans, sprint, the energy company, gas. Probably more. I dunno.
>>711061235
Enjoy being denied for a morgtage
10 thousand and it's all in credit cards
tell me how to do debt consolidation
i've read you can apply for a loan or another credit card with 0% apr for 12 months but my score is only average, 650 or so
i'd like to do that so i can just do a balance transfer on all my cards so i stop getting reamed up the ass by interest
>>711061609
I own a comfortable two bedroom home in seattle, and I own my car. I don't need a mortgage.
>>711060146
$85,000 +/- on my house
$8,000 on my truck
I have 3 mortgages.. total of 480,000
Zero credit card debt
>>711061554
They are cards I signed up for during my early 20's just for the purposes of building credit.
I should request limit increases but I'm waiting till I get a senior title and the bump over 100
Also my score would be higher if I didn't go car shopping and allow 4 dealerships to do hard pulls on my credit without my knowledge
>>711061733
Ahahahaha, learn to stop fucking buying shit you can't afford dipshit.
There's no good way out of it except hard work.
Go ahead and try a balance-transfer to one of those offers... guess what, they charge you a percentage of the balance you are transferring. Could be between 3-10%. Basically you'll make a several hundred dollar "purchase" just to get 0% interest for some time.
Around $25,000 from leftover student loans, credit card debt, and a personal loan for my kayak.
>>711060146
Debt - 0
Savings - $2000
>>711061235
This. My nigga don't stray from this...ever
>>711061883
Also I make 50,000 a year at work and 4500 a month from rents..
Canadian $ btw
CapitalOne
£12.45
HOW WILL I SURVIVE
>>711061235
>Never had a credit card
>Always paid in cash or via debit card
>Don't have any contracts with any companies
>Never been in debt
>Got denied a mortgage because I "don't have any credit"
>>711060146
debt - 0
savings - 20,000~
credit score - fucking horrible.
I've managed to avoid using credit, mainly because my credit score was fucked when I turned 20 by medical bills.
Hmmm like 70k due to student loans.
Too bad Hillary won't win, Trump ain't gonna do shit about it.
>>711062665
I never need a mortgage
I have shit ton gold and silver in safe
~15k in student loans
>>711062927
How much is a shit ton?
>>711062665
Well that was your own damn fault.
>>711060146
$250
>>711060146
0. Luckily I got scholarships and a summer job during school, but now I'm back living with my parents so I don't have any bills.
Ex heroin addict here. Been clean for over a year now but racked up debt from addiction. Have 3 maxed credit cards and student loans. Dropped out of college my last semester because of my addiction and paid none of loans. Now being sued bun companies. Total debt of probably about $60,000. Don't do heroin.
7k - personal debt, 2k - student loans, 70+k in medical. Don't ever sustain a life threatening injury. If you don't die, they charge your ass for saving your life. Fair, but, fuck me man. Shit ain't planned.
>>711060838
What national lab anon? LLNL and ORNL here. (At ORNL now, LLNL last summer in two months)
>>711060146
Debt = $0
>Joined coast guard when I was 20
>saved up 50k and got out after 4 years.
>Going to college, about to get masters next semester
>used GI bill and living off savings
>tfw having a masters degree and zero debt without family help
$10k medical bills
and fuck tornados
also checkem
>>711061000
trips don't lie
>>711060146
~20k + 2k in credit card debt
>>711063078
a "shit ton" of gold on todays US market is $42,112,000
>>711063425
hey ex heroin addict here too. i almost maxed out 1 credit card and i used the venmo trick to get money out. is that what you did? How long did you use for?
>>711060146
4,000 student loan
12,000 car
500 credit card
1000/month rent.
payments on each besides rent are manageable and still wind up having bit of spending money left over
>>711063078
10k-30k if shit it's the fan it still good unlike paper money
>>711061757
make sure to thank your parents for me
>>711063841
What's even the point of owning a $12k car when you haven't paid your student loans yet? I've been driving a 1999 Honda Accord for 3 years that I bought for $3k, and it's fantastic.
>>711063919
So you're gonna eat the gold in your safe when shit hits the fan? Or are you expecting someone to trade you things for your shiny fiat rocks?
>>711063750
Idk know what vemmo trick is but I used my cards to do cash at ATM for high interest never paid it. I was using heroin and crack for about 3 years and 30s before that for about 2 years. Got my life together in that sense but I still don't have a job, shit credit, and clearly a lot of debt.
So I am working my way out of this shit listen up up you young fags don't fuck up like me.
>be me good income married
>having kids like crazy
>4in75monthes.jpg
>bills pile up like crazy
>think need new house
>3inoneroom.com
>build 6 bedroom 4 bath
> now in bigger house 4000 sq ft
>bills like a freight train
>60000 dollar SUV
>35000 dollar pickup
>Wtf am I doing
>truck will be gone in 6 months
>it was on lease
>will buy good used car for what I can buy
>cash for a nice car at 12000
My whole point young fags keeping up with the jones is a real cuck move
I realized this now and don't give a fuckwhat everyone thinks.
I have been fortunate with a 175000 income to crush this debt
Don't be a total faggot like me and get in this spot
>>711063750
>>711063750
Idk know what vemmo trick is but I used my cards to do cash at ATM for high interest never paid it. I was using heroin and crack for about 3 years and 30s before that for about 2 years. Got my life together in that sense but I still don't have a job, shit credit, and clearly a lot of debt.
I'm debt for:
>College
>Medical bills
Enjoy Trump, he's gonna make America great again. ;^)
>>711063425
how long did you use for? I am clean for almost 2 years now and I racked up about 15 grand in debt for being addicted for 2 years.
venmo trick?
$374
Pay off my balance every month.
mfw
>>711064183
Dude you will died first thing
i have my own Farm I know to live off the land
>>711064431
Dope and crack about 3 years. 30s for a couple years before that.
ITT: credit cards, the most retarded form of payment ever. And idiot anons biting off more than they can chew.
I'll stick with cash and debit.
>>711062665
Hey "parents convinced me never to get into debt" buddy who was denied a mortgage!
>>711060146
somewhere to the tune of like 15k, it's all for a car. the payments are honestly not too bad, i just gotta keep working
>>711064452
I'm wondering the same thing. NEver heard of this.
>>711064258
Nice, you're one of the lucky ones. I'm trying to figure out if I should take the CS PhD path or mathematical finance right now, or go into plasma physics and make half of what I would. I've kinda learned kids are a horrible idea if you don't 100% want them.
>>711060146
Finishing up a medical debt that turned to a wage garnishment in 2 weeks. One more medical bill after that for 300 and I'm debt free
140$ oh the struggle of crippling debt
i maxed out two credit cards; $2000 and $300, 4 years ago and didnt pay it. also signed up for a few phone plans with different companies to get the phones for free and then sold them and didnt pay the bills.
didnt pay for anything still to this day.
somehow i managed to get a lease-to-own on a $13k car last month. after interest it works out to $21k.
I owe my m8 $7.85 for a sonic chicken sandwich with no mayo and pickles and a medium grape slushie.
https://www.youtube.com/watch?v=3cQNkIrg-Tk
>>711060146
Only 10k in credit card debt. Down from my 50k
However personal loans and car loans around 30k.
About 60k.
50k in student loans,
10k in car
No credit card
Score closing in on 800
25
>>711064226
sorry i asked duplicate questions. damn bro. yea heroin is no good. do you still crave it at times? i sure do but the debt is insane. i used to get like 3-4 buns at a time for 300 bucks. and that would just last me and a partner in crime for 2 days. and i would have to keep going and going and drive 4 hrs there and back. oh god.
Car ~$8000 remaining
House ~$300,000 remaining
Student loans ~$7000 remaining
Credit cards <$500
So somewhere around $325,500?
I've got about $15,000 in savings.
>>711064183
>Or are you expecting someone to trade you things for your shiny fiat rocks?
literally how money got started
>>711065922
$215,500*
>>711064782
Make your decision and be good with it my fag. DO NOT cheat yourself you can always have kids. My first was at 31 and my best friend had his first at 37. Oh did I say he has a law degree and PhD in chemistry and does patent law for 500,000 per year? You have plenty of time to have kids my fag
>Student Loans: $157,213
>Credit Cards: $38,633
>Personal Loans: $11,153
>Home Loan: $174,263
>Auto Loans: $42,216
Vote TRUMP! My only hope is to live in a "vault" for the next 30 years fallout style.
>>711066401
How Do you pay them anon?
>>711066401
How do you pay them billsanon?
>>711066401
holy shit nigga what are you doing?? Sell the car for a cheaper one and pay off your credit cards right nao.
19 years old and $5k+ in debt thanks to 1 year in college
>>711066401
>>711066644
Yeah, what the fuck. Did you get a music degree and decide to buy a grand piano and a Corvette?
Also nice trip dubs
>>711066786
That's actually pretty acceptable though. $20-30k isn't bad at all if it's a good degree (i.e. not philosophy, art, or phycology.)
>>711066888
>Also nice trip dubs
nice dub trips
$15,000, student loans
28 yo and around -2k, i'm doing fine
>>711060146
About $5k.
>$2k credit.
>$3k loan.
Ain't that bad, I'll be able to pay it off in like, two years.
BS, MS, and PhD (MD) ~ 175k all said and done in loans.
50k because my parents kept pushing me to do courses I knew I didn't have the motivation to finish
Interest free so I'm not concerned, still annoying though
>>711063519
FNAL
Heavily involved in an experiment there.
~14k left on car loan
~5k credit card debt
cc be paid off in about 2 years, car in 6
at which point I'm basically rich.
>>711067439
Dude... thats on you not your parents. If you didn't have the motivation you should have told them no
>>711061379
I've got the same credit score, but 1/3 the income.
>>711068087
Those two factors have nothing to do with each other, if that's what you're saying.
>>711060146
268k
feels fucking bad man.
>>711060146
Currently $109,500 from student lines and still have 2 more years to go.
Film Major.
>>711068457
Dude, just quit now. Unless you've thought through this very carefully, you won't catch up to that before you retire.
>>711068905
I'm in too deep to just quit now /b/. Maybe I'll be the next big director after I'm done. I'll direct a movie about /b/.
>>711060581
murica
>>711060146
>10k for car
>1k medical bill
eh, could be worse
>>711069128
Sunk cost fallacy.
But that actually sounds like a good idea, I'd watch it. Just don't make it super cringy.
>>711067999
Yeah I know I don't really blame them
It's just easier to say that it was them rather than I'm a lazy piece of shit
On top of that though it was do a course or leave home because I was being a basement dweller, probably should have just moved out considering I've moved out anyway and started studying something I really enjoy (cookery) and actually going to stick to
>>711068457
Suicide is best option here.
>>711069128
Call it "Retards: The Board: The Movie"
Then make a few sequels
>>711060146
98k for a house. It'll be mine in less than 10 years.
>>711069128
Make a movie parodying/ contrasting Hitler's rise to power with Trump's
Make it interesting and politically neutral and you'll have a winner
$4k car loan
$800 credit debt
$2.5k loan.
Got $4.7 in the bank
>>711060146
$19.5 trillion
>>711060146
about 19.5 trillion dollars.
I did a lot of exporting of things i shouldnt have but the prices were just too good to not take advantage of.
I accidentally took over a neighbors lawn during a drunken rampage where i thought he had some stuff i wanted but he turned out to be insane so i just tried to leave but he kept fucking with me.
Some kids came to my door and asked me for money for school so i lent them my magic plastic card.
Some misc. spending that was probably worth it.
I also just allowed a total outsider to run my entire life. I am extremely optimistic that he can, with his magical ability to make any word sound better, get my life on track and solve all my problems.
Also my kids are moving to canada.
>>711060146
50k to the state I live in for being found guilty of trafficking
fuck life
>>711070363
Drugs or people?
Like $750. Just need to pay off my CCs.
>>711060146
$62,000 on a home loan, zero other debt
it's not too bad 3.7% on it and $492 per month payments factoring in the required home owners insurance ect.
the house is over 100 years old but has had many of the required updates done.
i'm also married with a 2 year old son.
>>711060146
over 5k in rent
about 3k in phone bills
over 3 months in electricity bill
and my current phone bill which is around 120
so yeah, i'm pretty deep
>>711069885
I kinda like this name. I have a student project coming up were I have to direct a 1 hour long film.
I'll start the script now...
>>711062665
http://www.daveramsey.com/blog/no-credit-score-no-home
It's not that hard.
>>711071309
Eh, that can be solved with efficient budgeting in less than a year.
>>711071462
i had that happen to me before, i just grabbed a bank credit card and rented an apartment for two years. ended with a 811 credit score when i went in for my home loan.
>>711061997
Two important things.
1) Don't increase your credit limits. Especially if you are paying it off each month. It will actually lower your credit score.
2) It is illegal to hard pull credit without permission. Either you weren't paying attention, or you need to contact the head of the compliance at the dealership.
2.5) As long as the 4 pulls were made within 30 days of each other, it's almost identical to 1 pull. The real harm comes in several pulls within the same year.
Source: the VP of underwriting.
>>711060146
around $12,000 dollarydoos
university and various fines from the police.
25YO, university graduate, yet working a kind of a shitty job that has nothing to do with what I studied.
- 80.000€ for now (paying for the house my family (mom and grand-mom) lives in for the next 30 years)
- 20.000€ down the line (probably) - years back a gas company cancelled their contract with us but they didn't care to take their gas stuff back despite us ocasionally telling them - hey, you're still giving us gas, you didn't turn it off, we have no contract, we can't legally turn it off ourselves, what the fuck". After 4 years they finally came and took their gas-related stuff and turned us off, but they want 10.000€ for the gas and 10.000€ as a fine for the late payment now.
- all my dad's debts (probably around 5000€)
- all the debts my dad made my mum and my grandmother (5000€ more)
I get paid 700€ per month. That's pretty high for our country, but pretty shitty in context with all ↑ that.
>>711060146
>5.5k credit card
>8.5k loan
All rang up for family emergencies, expect to have most of it paid off when tax returns come in.
$149,000 right now.
Student loans is most of it.
Then cars.
Then personal/family.
Then credit cards.
>>711072832
I guess if I include assets, it is actually more like $80,000 debt.
>>711069885
>>711071373
I started the Script for it. Would you all like to help me write it?
About 800 dolleridoos on my credit card.
12 grand
>>711060146
$1106
maxed out a credit card 2 months ago
got 5gs in the bank but eh
Around $600.
I bought my gf a ps4 last Christmas. Lost my job. Worked at an equally shit job for slightly less money. Then finally now I am making enough to fix it. I've had a lot of other expenses that kept this on the back burner.
>>711060146
1000+
Medicine aint cheap boy-o
0
>>711060146
4k on a credit card from the last couple of months, but that'll be paid off by next month. 16k left on my truck, 250k left on my house, 8k left on student loan. I'm not even worried though, six figure salary (mobile developer), and I don't live a very extravagant life. Credit card debt is mainly from buying stuff for fixing up the house, and it's 1 year no interest, so I won't pay anything more than the normal amount on it.
>>711060146
0 debt
20k in cash sitting in the bank
Debt is for poorfags
Zero debt
$100k line of credit across 18 cards
$375/mo rent
$98k net worth (savings, retirement, brokerage)
$45k/yr job with benefits, Fortune 500 company, low cost of living here
Age 31
$350k. All student loans college and law school.
>>711060146
Few grand. No story, poor impulse control.
>>711074832
Samefag, also 801 FICO
>>711074693
I used to be in your position, then I went to university and got in trouble with the law.
$22,000 in the back quickly disappeared and now I'm $12k in the red
0$
Feels good man.
>>711074985
My score is awesome. I pay on time every month. Problem is I top them off again.
>>711060146
>$62.374.29
>went to college once in the 90's, then went to a junior college in 2010
>my debt is my own damn fault
>got a job in a totally unrelated field that I wasn't qualified for
>starting to pay debts off, but far slower than I want to
2,000,000
Uncool
>>711060146
None. I had major debt during college but I worked my ass off to pay everything off, cut my bills down to the bare minimum. Paid off all my unsecured debt eight years ago and paid off my car five years ago. Damn it feels good. I'm about to buy a new car in a few months and I will pay for it in cash and not own a fucking dollar.
>>711075514
Coke?
>>711060146
3600 dollars, and i can only pay 60 a month...