What I’ve been doing is shuffling the debt between new 0% APR intro-period cards every time the 0% of the previous card is going to expire, and just eating the cost of the balance transfer (usually 3–5%) which is still significantly lower than if the balance were to start getting hit by typical card APR (~25%)
I have considered doing bankruptcy but yeah I’m worried about wage garnishment. Also I had wanted to maybe buy a houseboat within the next 7 years but at this point that’s almost certainly off the table so it may actually be worth just looking into bankruptcy at this point.
Right now I’m more focused on getting a full time job since my freelance stuff has been too slow to pay all the bills…
What I’ve been doing is shuffling the debt between new 0% APR intro-period cards every time the 0% of the previous card is going to expire, and just eating the cost of the balance transfer (usually 3–5%) which is still significantly lower than if the balance were to start getting hit by typical card APR (~25%)
I have considered doing bankruptcy but yeah I’m worried about wage garnishment. Also I had wanted to maybe buy a houseboat within the next 7 years but at this point that’s almost certainly off the table so it may actually be worth just looking into bankruptcy at this point.
Right now I’m more focused on getting a full time job since my freelance stuff has been too slow to pay all the bills…
Being a grownup is so boring I hate this