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Originally Posted by kindness
1) Pay yourself first (don't pay your bills chronologically and see what's remaining in the last week of each month).
2) Do NOT take out a small loan. That will increase your debt, and the interest rate will be high. It's also a hard credit pull, so your credit worthiness will decrease.
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Seconded. You will be sorry. Maybe for a long time.
Quote:
Originally Posted by dwfieldjr
Maybe when the collections call you could say something like "I have this amount could we settle on that because I don't have anymore" I have heard of people doing something like that on the Clark Howard and Dave Ramsey show. Maybe that's a start maybe not.
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Yes, the old saying is you can't get blood from a turnip? They would rather have what you can pay than get nothing at all.
Finally.. I don't think I'd count on moving in w/ bf as a bailout. If he borrows money now he will borrow money then.