Thread: GF has 19k credit card debt
05-14-2016, 11:41 AM
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#331
Originally Posted By YWOC⏩
I was just imagining if I was in her debt. I reckon I'dproactivelygive an explanation, admit negligence, and show that I have a plan to adjust my spending habits and pay it off. lol at her reaction.Typical woman, can't discuss any of their problems with a level-head and instead have to cry and twist it into making themselves seem like a victim somehow. You're goddamn right im fukking judging you if you have $20k in CC debt and $20k on a new car. Student loans are the only understandable thing.
Just LOL if OP stays with this girl.
Just LOL if OP stays with this girl.
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05-14-2016, 11:46 AM
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#332
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Originally Posted By gainmusclefast⏩
Good point.So I brought it up today and of course it starts a huge argument. She says oh your judging me.]Then starts saying then why are you even with me.
05-14-2016, 12:11 PM
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#333
Originally Posted By gainmusclefast⏩
Sounds like you brought it up in a bad way. You should've been like, let's get you on a plan to get this paid off so we can have a secure future together.So I brought it up today and of course it starts a huge argument. She says oh your judging me. Then starts saying then why are you even with me.
05-17-2016, 08:29 AM
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#334
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Originally Posted By J3remy⏩
What! I would wanna die19k cc debt aint that bad, ive made it to 30k once
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05-17-2016, 08:34 AM
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#335
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We gon act like 19k is a lot?
05-17-2016, 08:39 AM
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#336
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Originally Posted By gainmusclefast⏩
This isn't a joke.she is 31 and has a job making 50k a year.
is she going to be able to come out of this debt?
is she going to be able to come out of this debt?
If she has a good body, decent social skills, and is willing to at least write in chat to communicate with people. She could probably pay off her debts inside a year through cam modelling.
All she needs is a dildo/Hitachi, ohmibod (google it brah), and to flirt and joke with people in text chat. 100% srs.
https://vimeo.com/147643499
(Though Domino's success isn't the norm, she is beautiful and has above average social skills. A lot of girls just rely on their looks, she interacts a lot with people in her room.)
Edit: Forgot to say there are a number of cam models who don't show their faces, but are able to make a living.
My favorite cam model never shows her face.
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05-17-2016, 08:42 AM
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#337
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Originally Posted By GabrielNovar⏩
OK Jordon Belfort.We gon act like 19k is a lot?
We forgot that miscers like you call $100 bills fun coupons.
If You Don't Like To Talk About Your Feelings, This Might Help...
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The Most Heartbreaking Thing That I've Learned About 'The Elite'.
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Bitcoin And 'The Elite' - Why Bitcoin Is Not Revolutionary
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05-17-2016, 08:46 AM
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#338
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Originally Posted By gainmusclefast⏩
Tour is over boyo, accept your fate and go finance a $10k engagement ring for herSo I brought it up today and of course it starts a huge argument. She says oh your judging me. Then starts saying then why are you even with me.
05-17-2016, 08:47 AM
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#339
05-17-2016, 08:49 AM
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#340
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Originally Posted By BetaAsPhuck⏩
Very strong username to post ratio.This isn't a joke.
If she has a good body, decent social skills, and is willing to at least write in chat to communicate with people. She could probably pay off her debts inside a year through cam modelling.
All she needs is a dildo/Hitachi, ohmibod (google it brah), and to flirt and joke with people in text chat. 100% srs.
https://vimeo.com/147643499
(Though Domino's success isn't the norm, she is beautiful and has above average social skills. A lot of girls just rely on their looks, she interacts a lot with people in her room.)
Edit: Forgot to say there are a number of cam models who don't show their faces, but are able to make a living.
My favorite cam model never shows her face.
If she has a good body, decent social skills, and is willing to at least write in chat to communicate with people. She could probably pay off her debts inside a year through cam modelling.
All she needs is a dildo/Hitachi, ohmibod (google it brah), and to flirt and joke with people in text chat. 100% srs.
https://vimeo.com/147643499
(Though Domino's success isn't the norm, she is beautiful and has above average social skills. A lot of girls just rely on their looks, she interacts a lot with people in her room.)
Edit: Forgot to say there are a number of cam models who don't show their faces, but are able to make a living.
My favorite cam model never shows her face.
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05-17-2016, 08:56 AM
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#341
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good night sweet prince
Good thing is you are thinking about the consequences of her debt now, rather than after say...marriage. Many relationships fall apart due to financial reasons.
Good thing is you are thinking about the consequences of her debt now, rather than after say...marriage. Many relationships fall apart due to financial reasons.
Thick. Solid. Tight.
05-17-2016, 08:56 AM
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#342
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Lol she better start selling all her chit and paying off as much as she can.
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05-17-2016, 08:56 AM
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#343
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Originally Posted By gainmusclefast⏩
Honestly, when a girl says that, it's never good news.So I brought it up today and of course it starts a huge argument. She says oh your judging me. Then starts saying then why are you even with me.
NJ brah
Stoic brah
05-17-2016, 09:36 AM
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#344
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If You Don't Like To Talk About Your Feelings, This Might Help...
https://forum.obnoxiousbrutes.com/showthread.php?t=178926621
The Most Heartbreaking Thing That I've Learned About 'The Elite'.
https://forum.obnoxiousbrutes.com/showthread.php?t=178536851
Bitcoin And 'The Elite' - Why Bitcoin Is Not Revolutionary
https://forum.obnoxiousbrutes.com/showthread.php?t=179820783
05-17-2016, 09:39 AM
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#345
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Originally Posted By BetaAsPhuck⏩
Not annoyed. Just the fact that you have a favorite cam model is beyond pathetic.???
Which part annoyed you?
Which part annoyed you?
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05-17-2016, 09:47 AM
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#346
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Originally Posted By LikeAMachine⏩
Anyone who has a favorite porn star (cams are live porn), or a favorite IG woman or model is pathetic?Not annoyed. Just the fact that you have a favorite cam model is beyond pathetic.
If You Don't Like To Talk About Your Feelings, This Might Help...
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The Most Heartbreaking Thing That I've Learned About 'The Elite'.
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Bitcoin And 'The Elite' - Why Bitcoin Is Not Revolutionary
https://forum.obnoxiousbrutes.com/showthread.php?t=179820783
05-17-2016, 09:49 AM
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#347
05-17-2016, 11:17 AM
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#348
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Update us OP...
You still with this sloot?
She still mad?
You gonna stop being a pushover anytime soon?
You still with this sloot?
She still mad?
You gonna stop being a pushover anytime soon?
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05-17-2016, 11:25 AM
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#349
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Originally Posted By BetaAsPhuck⏩
YesAnyone who has a favorite porn star (cams are live porn), or a favorite IG woman or model is pathetic?
If she hasn't got the glow, i don't want to know crew
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05-17-2016, 11:26 AM
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#350
05-17-2016, 11:51 AM
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#351
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Originally Posted By azazelo⏩
yes man they are... but then again who cares?
Originally Posted By EssexBrah⏩
Neither of you *******s are the guy I was asking.Yes
I'm just checking that he's consistent.
If You Don't Like To Talk About Your Feelings, This Might Help...
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The Most Heartbreaking Thing That I've Learned About 'The Elite'.
https://forum.obnoxiousbrutes.com/showthread.php?t=178536851
Bitcoin And 'The Elite' - Why Bitcoin Is Not Revolutionary
https://forum.obnoxiousbrutes.com/showthread.php?t=179820783
05-17-2016, 11:53 AM
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#352
05-17-2016, 11:58 AM
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#353
Originally Posted By BetaAsPhuck⏩
azazelo, Essex brah and I are consistent. If that other guy is not it is just an aberration. Disregard what he says.Neither of you *******s are the guy I was asking.
I'm just checking that he's consistent.
I'm just checking that he's consistent.
05-17-2016, 12:01 PM
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#354
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I would be very careful OP. This is a girl who could become your wife and life partner.
I had a now ex-girlfriend who was like her. Didn't save anything, had a take home car and a personal car that didn't get driven (20,000 miles and no mechanical issues). She way paying $400 a month in car payments. Her personal vehicle was almost pad for and she wanted to go get a new version of the same car. I asked her why and she answered that she wants to get a new car because her old one was going to be paid for.
She was buying a car simply to have a car payment. She also did not want to save or invest because we were living in the end-times. She was religious when we started dating but got very religious and started talking about apocalypse stuff. Big red flag for me...
It's up to you OP, but I don't want a partner for life who has the financial literacy of a potato. If you decide to stay with her have her start reading personal finance books and watch shows like Dave Ramsey or Suzie Orman... Anything to get her to start looking at spending habits and reform.
I had a now ex-girlfriend who was like her. Didn't save anything, had a take home car and a personal car that didn't get driven (20,000 miles and no mechanical issues). She way paying $400 a month in car payments. Her personal vehicle was almost pad for and she wanted to go get a new version of the same car. I asked her why and she answered that she wants to get a new car because her old one was going to be paid for.
She was buying a car simply to have a car payment. She also did not want to save or invest because we were living in the end-times. She was religious when we started dating but got very religious and started talking about apocalypse stuff. Big red flag for me...
It's up to you OP, but I don't want a partner for life who has the financial literacy of a potato. If you decide to stay with her have her start reading personal finance books and watch shows like Dave Ramsey or Suzie Orman... Anything to get her to start looking at spending habits and reform.
Many of life's failures are men who did not realize how close they were to success when they gave up.
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05-17-2016, 12:03 PM
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#355
Originally Posted By Cuchulainn⏩
Dude, almost everybody in the good ole u s of a has the financial sense of a potato.I would be very careful OP. This is a girl who could become your wife and life partner.
I had a now ex-girlfriend who was like her. Didn't save anything, had a take home car and a personal car that didn't get driven (20,000 miles and no mechanical issues). She way paying $400 a month in car payments. Her personal vehicle was almost pad for and she wanted to go get a new version of the same car. I asked her why and she answered that she wants to get a new car because her old one was going to be paid for.
She was buying a car simply to have a car payment.
It's up to you OP, but I don't want to wife a girl who has the financial literacy of a potato.
I had a now ex-girlfriend who was like her. Didn't save anything, had a take home car and a personal car that didn't get driven (20,000 miles and no mechanical issues). She way paying $400 a month in car payments. Her personal vehicle was almost pad for and she wanted to go get a new version of the same car. I asked her why and she answered that she wants to get a new car because her old one was going to be paid for.
She was buying a car simply to have a car payment.
It's up to you OP, but I don't want to wife a girl who has the financial literacy of a potato.
05-17-2016, 12:09 PM
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#356
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Originally Posted By Swamp
True, lots of $50k a year millionares. I should also mention that she didn't want to save or invest because 'we are living in the end-times'. I go to Church with her but don't feel that way at all.Dude, almost everybody in the good ole u s of a has the financial sense of a potato.
A common rule of thumb is you need to be able to live off of 4% a year of what you save for retirement. If you save $1,000,000 for retirement that will generate you only $40,000 a year of income. And this will be in 2050 money, so it's more like $25,000 a year today. Never mind that social security will be broke and God knows what medicine will cost at that time.
We aren't all going to make it.
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05-17-2016, 12:13 PM
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#357
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Originally Posted By Swamp
I wouldn't say that's necessarily true. It just happens to be that we all too often here about people who aren't able to, or haven't grasped the concept of financial responsibility.Dude, almost everybody in the good ole u s of a has the financial sense of a potato.
Further, we happen to be in an era in the USA when high paying jobs aren't plentiful, the economy is inflating faster than cost of living salary/wage increases and folks are graduating college and the entry-level openings are slim. It's a cycle where because the economy has inflated, people are holding onto their jobs longer which is prevent most, but not all, people from moving up which is stalling the abundance of entry level positions for college grads to earn.
Lately, we've seen a number of threads here on the Misc section with regards to trade/skill careers being optimal. The truth is, skills and trades (depending on local need) are wonderful options for those who can't afford to go to college (and don't want to borrow at such high interest rates to attend) or have no interest in college. The option of a trade is great because one can get a certification at a trade school (think Apex, ITT Tech, etc) over 12-18 months, graduate with little, if any debt, start a paid apprenticeship (hopefully) and work their way up. If a skilled worker wished to go back to school for an Associates or Bachelors degree in business and further their education to compliment their work experience.
TL;DR - not everyone has issues with financial responsibility, there are plenty of options to choose from.
05-17-2016, 12:23 PM
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#358
Originally Posted By TheSteve39⏩
Of course I was using hyperbole, but trust me, most of us are ignorant of money matters.I wouldn't say that's necessarily true. It just happens to be that we all too often here about people who aren't able to, or haven't grasped the concept of financial responsibility.
Further, we happen to be in an era in the USA when high paying jobs aren't plentiful, the economy is inflating faster than cost of living salary/wage increases and folks are graduating college and the entry-level openings are slim. It's a cycle where because the economy has inflated, people are holding onto their jobs longer which is prevent most, but not all, people from moving up which is stalling the abundance of entry level positions for college grads to earn.
Lately, we've seen a number of threads here on the Misc section with regards to trade/skill careers being optimal. The truth is, skills and trades (depending on local need) are wonderful options for those who can't afford to go to college (and don't want to borrow at such high interest rates to attend) or have no interest in college. The option of a trade is great because one can get a certification at a trade school (think Apex, ITT Tech, etc) over 12-18 months, graduate with little, if any debt, start a paid apprenticeship (hopefully) and work their way up. If a skilled worker wished to go back to school for an Associates or Bachelors degree in business and further their education to compliment their work experience.
TL;DR - not everyone has issues with financial responsibility, there are plenty of options to choose from.
Further, we happen to be in an era in the USA when high paying jobs aren't plentiful, the economy is inflating faster than cost of living salary/wage increases and folks are graduating college and the entry-level openings are slim. It's a cycle where because the economy has inflated, people are holding onto their jobs longer which is prevent most, but not all, people from moving up which is stalling the abundance of entry level positions for college grads to earn.
Lately, we've seen a number of threads here on the Misc section with regards to trade/skill careers being optimal. The truth is, skills and trades (depending on local need) are wonderful options for those who can't afford to go to college (and don't want to borrow at such high interest rates to attend) or have no interest in college. The option of a trade is great because one can get a certification at a trade school (think Apex, ITT Tech, etc) over 12-18 months, graduate with little, if any debt, start a paid apprenticeship (hopefully) and work their way up. If a skilled worker wished to go back to school for an Associates or Bachelors degree in business and further their education to compliment their work experience.
TL;DR - not everyone has issues with financial responsibility, there are plenty of options to choose from.
05-17-2016, 12:33 PM
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#359
05-17-2016, 12:35 PM
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#360
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Miss a few payments and file Chapter 7. Credit cards. gone.
What does she do for a living? If the student loans are federal tell her to get a job with the state so she has 10 years repayment instead of 20
What does she do for a living? If the student loans are federal tell her to get a job with the state so she has 10 years repayment instead of 20
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