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Forum » More General Categories » Misc. » GF has 19k credit card debt
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Thread: GF has 19k credit card debt

post 1441923271 05-13-2016, 11:44 AM
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#181
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every single time you stick your cock in this dumb bitch you are literally risking your financial future. remember that, OP.
post 1441923461 05-13-2016, 11:45 AM
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IN for more responses from OP.
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post 1441923561 05-13-2016, 11:45 AM
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People make a big deal out of that debt.
19K is very manageable with a 50K salary.

The red flag is that she's living way above her means and likes to show off/waste money.

If I don't hear OP telling us a story about her paying for an experimental chemo for her mother then I will suggest that you leave her.
post 1441923771 05-13-2016, 11:47 AM
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lmao, what's her FICO score?
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post 1441923891 05-13-2016, 11:47 AM
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Originally Posted By DarkOmen⏩
People make a big deal out of that debt.
19K is very manageable with a 50K salary.

The red flag is that she's living way above her means and likes to show off/waste money.

If I don't hear OP telling us a story about her paying for an experimental chemo for her mother then I will suggest that you leave her.
that kind of debt is a big deal for people because 4/5 people have no sense of financial responsibility. combine that with the fact that we still continue to f*ck these girls and it becomes a huge deal because that's a sword we can fall on.
post 1441925391 05-13-2016, 11:54 AM
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Originally Posted By xvicknumber7x⏩
that kind of debt is a big deal for people because 4/5 people have no sense of financial responsibility. combine that with the fact that we still continue to f*ck these girls and it becomes a huge deal because that's a sword we can fall on.
She could be very responsible and then had horrible life events happen to her, we don't know the whole story. In that particular case, the debt wouldn't be much of a deal.

But let's be honest, there's 98% chance she's just has no sense of financial responsibility.
post 1441926011 05-13-2016, 11:58 AM
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she's about to take your seed and get you to pay it off...run
post 1441926271 05-13-2016, 12:00 PM
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#188
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Originally Posted By snufy⏩
Neither do most people who get a large mortgage, no you don't own your house... the bank owns your house, even after you've paid it off, the government owns your house... stop paying taxes, see what happens.
But you get equity in a house and you have to live somewhere.
Originally Posted By gainmusclefast⏩
She actually lives with her family right now. She helps pay some of the bills which is like $200 a month. She buys anything she wants and she runs tons of marathons which cost like $100 each then flights couple times a year.

At first when I said something about her debt her response was its my money I can do what I want with it. Now if I bring it up she agrees with me that it is awful.
LOL I bet she's making minimum payments while living with her family and not paying rent.

Just imagine what this leech would do if you took on her debt and she got more credit available to spend.
post 1441926741 05-13-2016, 12:02 PM
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#189
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Originally Posted By DarkOmen⏩
She could be very responsible and then had horrible life events happen to her, we don't know the whole story. In that particular case, the debt wouldn't be much of a deal.

But let's be honest, there's 98% chance she's just has no sense of financial responsibility.
if that was the case i'm SURE op wouldnt be as concerned. sometimes bad things happen to good people. and sometimes (and more often than not) people make shortsighted decisions that impact their futures. this seems like that sorta scenario.
post 1441926881 05-13-2016, 12:02 PM
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I just paid off 10k of credit card a few months ago at age 21... no more credit card debt left

Now just have 7k left on my auto loan and student loans totaling 20k so far

My current college job helps a lot but when I transfer to a university and maybe find new part time job, loans will double srs
post 1441929091 05-13-2016, 12:14 PM
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here I am feeling bad about myself because I can't find a way to max out my 401k and ira in the same year. Thanks for making me feel good OP.
post 1441929581 05-13-2016, 12:16 PM
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#192
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how the tf do you make it to 31 and only make 50k/year? Liberal arts degree of peace
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post 1441930001 05-13-2016, 12:19 PM
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Yeah she may pay it off but it will take 10-15 years, maybe longer if your state has high cost of living and income tax.
post 1441930071 05-13-2016, 12:20 PM
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Originally Posted By athrun340⏩
here I am feeling bad about myself because I can't find a way to max out my 401k and ira in the same year. Thanks for making me feel good OP.
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post 1441931041 05-13-2016, 12:26 PM
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#195
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She might be able to clear the car payment, not the others. she can hit all min payments and in 10 years, she will owe n=more in student loan and CC.


I bet she is a bernie sander's supporter
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post 1441931141 05-13-2016, 12:26 PM
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#196
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Lol at people with debt

Private Uni = Paid Off
Car = Paid Off
Credit Cards = Monthly Balances always paid off

Credit Score = 799

Its almost time to buy a duplex, live in one side and have some sucker live in the other and pay off my mortgage for me after I jack up the rent lawl.

Then once wife finishes school and lands her job in PT, she can buy a second duplex where we do the same since she wont be on my mortgage loan.

Going to be nice to have people paying off all my expenses in life.
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post 1441931671 05-13-2016, 12:29 PM
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#197
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and you're STILL dating her? LMAO if you don't end it you deserve to watch your own bank account be decimated by her.
post 1441932301 05-13-2016, 12:32 PM
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#198
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Ouch...... OP-I hope to the Lord almighty that you wont wife her up. if you do, basically your income will be her income and her bills will be your bills, and you will be spending the rest of your life in debt.
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post 1441932341 05-13-2016, 12:32 PM
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#199
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Originally Posted By Marie646⏩
Age 31 and still has 70 in student loan debt? How in the hell...Did she even try to pay that down?
The 19k CC debt is the kicker, that is an ABSURD amount for those financials, when I met my wife she has $2500 because she had to live on her own for a bit while going to school and I thought that was a lot.

Luckily my wife had a full ride scholarship so that was the only debt I acquired from her.
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post 1441932521 05-13-2016, 12:33 PM
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can you HONESTLY say you are debt free from smart spending and not the parents picking up tabs? Bcuz the odds are stacked against you. 32:1
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post 1441932761 05-13-2016, 12:35 PM
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#201
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Originally Posted By Schism45⏩
Would dump her instantly for that unless I already had no intentions to be with her long term.

70k student loan debt... ok fine it happens.

20k car debt... Would break up with her at this point. Shows her priorities, need to spend, and lack of critical thinking as it makes it impossible to pay the student loan off ands lock the two of you out of home ownership even longer.

19k credit card debt... WTF she can't control her spending and never will, run run run.
Dud you are spot on bruh. I had a bunch of student loans (85k) like that but I paid them down a chit ton. When they were high like that. I would never think of adding more debt to the debt I already had. I drove practical cheap vehicles and budgeted. I paid the loans down 1k a month doing that. All of this while paying rent because I don't live near family.

Vehicle loan - unnecessary. Especially 20k. Seriously get a freakin junker or get a freaking cheap ass Ford Fiesta or something.

19k in credit card debt is the BIGGEST problem! The interest insane on those. Their is no way she is paying that off lol.

If she was going to have any other debt I can understand some sort of Mortgage because she could basically get that money back. Obviously she probably would never have passed the Debt to Income ratio but still.

I'm lucky that the girl I found is very financially responsible and frugal. She also has zero debt whatsoever. I don't have to worry about her at all. She freaks out if her bank acct. gets anything lower than 20k.
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post 1441933111 05-13-2016, 12:37 PM
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#202
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Originally Posted By DarkOmen⏩
People make a big deal out of that debt.
19K is very manageable with a 50K salary.

The red flag is that she's living way above her means and likes to show off/waste money.

If I don't hear OP telling us a story about her paying for an experimental chemo for her mother then I will suggest that you leave her.
19k with at 20-30 % interest. With her other debt, their is no way she is paying the card down now or in the near future.
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post 1441933301 05-13-2016, 12:38 PM
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#203
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31 and only earning 50K... Did she even try for a promotion ever?
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post 1441933421 05-13-2016, 12:39 PM
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Originally Posted By devin45k⏩
19k with at 20-30 % interest. With her other debt, their is no way she is paying the card down now or in the near future.
Yea she's not going to be able to do it by herself with her other living expenses. She would have to have someone else pay for her housing for her to be able to take care of that debt in any reasonable time frame. That's 5k interest on the CC debt alone annually.
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post 1441933451 05-13-2016, 12:39 PM
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Originally Posted By MarinoMike⏩
31 and only earning 50K... Did she even try for a promotion ever?
Probably like 90% of 30 year old people earn less than 50k.
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post 1441933531 05-13-2016, 12:40 PM
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how the **** did she even get approved for credit for that much? or does she have like over 90000 cards? also do not marry her.. that debt will become yours. keep all your **** separate. i'd even go as far as to say, do not live with her, or allow her to live with you
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post 1441933781 05-13-2016, 12:42 PM
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Originally Posted By JoshSP1985⏩
Yea she's not going to be able to do it by herself with her other living expenses. She would have to have someone else pay for her housing for her to be able to take care of that debt in any reasonable time frame. That's 5k interest on the CC debt alone annually.
OP already stated that she lives with her parents and only pays $200/month towards everything. Makes the red flag even bigger and brighter.
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post 1441934171 05-13-2016, 12:44 PM
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#208
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Originally Posted By JoshSP1985⏩
Probably like 90% of 30 year old people earn less than 50k.
These people are usually ambitionless - or philanthropists.


If I'm still earning 50K at 31 I'm ending it. Srs. going to go out in a huge shroom trip in the woods all revenant style.
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post 1441934841 05-13-2016, 12:47 PM
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#209
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Originally Posted By MarinoMike⏩
These people are usually ambitionless - or philanthropists.


If I'm still earning 50K at 31 I'm ending it. Srs. going to go out in a huge shroom trip in the woods all revenant style.
another delusional miscer.. the avg income is like 35k
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post 1441935111 05-13-2016, 12:49 PM
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#210
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How the fuk did she get clearance for them much credit card allowance with such a poverty job and existing debt?
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