Post #55762

2025-12-12 07:38 UTC

Spending money. Thorough a combination of a lot of bad luck and a few bad choices, I’m stuck playing credit card musical chairs to keep enough cash for rent and bills. “Ability to buy groceries/toiletries/medical copays/etc.” is functionally a subscription for me. Few years of rice and beans in my future until I can dig myself out… good thing I like beans I guess The worst I can imagine (aside from housing…) would be the others in Maslow’s pyramid base: air, water, food, clothing. Air would be some straight up cyberpunk shit. Water/food would also be horrifying. We currently see meal subscriptions as a luxury, but for those without access to a kitchen and/or with disabilities that prevent them from reliably using one… ah fuck that’s dismal. Clothing would be fuckin weird. Because such a ridiculous volume of it exists due to fast fashion, I can’t see this happening on Earth in the near future, thankfully.

Replies (2)

@figjam@midwest.social 2025-12-12 12:02

out of curiosity, how much total debt are you carrying?

Open ##56060
@DornerStan@lemmygrad.ml 2025-12-13 00:56

If it’s gonna take more than a few years to pay off, you might consider defaulting. Credit card debt is some of the most easily dischargeable debt. That can range from offers in compromise to declaring some sort of bankruptcy to just not paying them anymore (the latter might have repercussions if you have seizable assets or enough debt that the carriers think it’s worth going through the courts to try and garnish your wages, assuming you have regular W2 income). Or if you currently have decent credit, a refi might even be a good option. Do your own research, this is not financial advice. I know people that just stopped paying and basically nothing happened. Credit scores went through the floor, but that’s pretty much it. Within a couple years they were able to open new cards, and after seven years the dings fell off their credit reports.

Open ##58249