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Old Hippie
Diamond Member
Nice Job amdhunter! :thumbsup:
BehindEnemyLines
Senior member
Congratulations man...
I wish I can say the same thing for my sibling :| :
* has at least 5 cards max out, with maxed out cash advances, paid at most minimum
* uses payday loans = death wish
* owes 20K in student loan that never goes down (only 2K principle is paid since 2001)
* owes me at least 10K over three years (this is more like a gift now)
* does not pay for rent, utilities, or food
* has a decent, good job (certainly more than enough for someone who doesn't pay rent)
* but monthly income < monthly expenditure (whatever the expenditures may be)
* checking account zero if lucky, negative mostly
* no sense of thoughts in spending whatsoever (conjecture, expenditures unknown, nothing fancy in sight)
* no accountability, responsibility, or x-bility whatsoever
* no plan, no budget, nothing, just more debts everyday
* no motivation to attempt to fix the situation (maybe in denial)
* possibly gambling problem <-- no smoking gun yet (not sure how to find this)
* although s/he gets birthday wishes and other coupons from a few casino sometimes in the mail
There isn't a day goes by that I don't resent so much and thinking how much better the
family relationship could be otherwise. It's not my debts, but it's certainly my problem and money :thumbsdown: .
/rant
If anyone has been in a similar situation with family members, I would appreciate any advice.
I wish I can say the same thing for my sibling :| :
* has at least 5 cards max out, with maxed out cash advances, paid at most minimum
* uses payday loans = death wish
* owes 20K in student loan that never goes down (only 2K principle is paid since 2001)
* owes me at least 10K over three years (this is more like a gift now)
* does not pay for rent, utilities, or food
* has a decent, good job (certainly more than enough for someone who doesn't pay rent)
* but monthly income < monthly expenditure (whatever the expenditures may be)
* checking account zero if lucky, negative mostly
* no sense of thoughts in spending whatsoever (conjecture, expenditures unknown, nothing fancy in sight)
* no accountability, responsibility, or x-bility whatsoever
* no plan, no budget, nothing, just more debts everyday
* no motivation to attempt to fix the situation (maybe in denial)
* possibly gambling problem <-- no smoking gun yet (not sure how to find this)
* although s/he gets birthday wishes and other coupons from a few casino sometimes in the mail
There isn't a day goes by that I don't resent so much and thinking how much better the
family relationship could be otherwise. It's not my debts, but it's certainly my problem and money :thumbsdown: .
/rant
If anyone has been in a similar situation with family members, I would appreciate any advice.
Congrats!!! Now as someone else said, CUT THE CARDS AND TOSS THEM. Honestly, they're going to be a little bug in your head saying, " it's ok you can make the payment"
You have the account, most likely they will not close it on you, if you ever needed it, you just call the credit card company and tell them you need a new card. but seriously, either lock them away or cut them up as the temptation will be to use it.
You have the account, most likely they will not close it on you, if you ever needed it, you just call the credit card company and tell them you need a new card. but seriously, either lock them away or cut them up as the temptation will be to use it.
MotionMan
Lifer
Do not get rid of them. Put them away in a drawer and every year on your birthday buy a stick of gum, but do not get rid of them.
I have a card that I keep as a backup to my main CC. Months ago I had to use it as collateral for a motel room for my family's Black Sheep. I called the company and lowered my limit to as low as it can go. Then, I forgot about it.
Recently, when I remembered about it, I called the company and asked them to re-raise my limit and they refused. If you close your accounts, they may not let you reopen them.
Times are tough and you do NOT want to be caught without credit if you need it in the future.
MotionMan
hanoverphist
Diamond Member
sure you do... you have the memories of spending it.
Deviant Grasshopper
Banned
That's one thing that makes me feel a bit better about my little bit of CC debt - I at least have a good bit of crap to show for it. Granted, not worth the ~10% interest, but it's at least something.
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