Anonymous wrote:

Anonymous wrote:Op here. I am an LPN and work as a nurse in the surgery center. Extra hours are available but it also gets very tiring.

I got some of this debt after my divorce and part of it is me spending a little too much but I hv learned my lesson. Car payment is about $700/mo and I hv some medical issues too that takes away some of the cash. Can’t get rid of car since I do hv to travel to see my family.

$700 a month car payment on $65k a year? You need to sell that thing and get a $20k car.

+1 Our new car has a $700/month payment and it makes me so uncomfortable to have it be that high - and we have a $360k HHI. OP you need to find a used corolla or civic or something.

I'm sorry you are dealing with health issues. At 42, this is your best chance to get healthier and make some money with kids out of the house. I'd pick up extra shifts for a month and see how that goes. Then take a month break and do it again.

I think you need to become a travel nurse. It pays a lot better.

Yes, I have some medical issues including type2 since I am overweight and that gets me very tired after such a long day at work. I was thinking about bankruptcy but it’s also scary. I am trying to get as many hours as possible but additional shifts are sometime inconsistent.

My debt is also from divorce, some medical issues, and expenses for kids. Except 1-2 expensive things that were gifted to me, I don’t hv anything that expensive to sell.

Anonymous wrote:Nursing is great for your situation because usually you can do more hours.

OP, you need Dave Ramsey. Don’t do school until your debt is gone.

+1 You don't need a second job or side hustle. You need to put in some overtime.

Anonymous wrote:Op here. I had some old debt that were brought to me in divorce and then some spending habits and stuff for older kids when they are in college. I am in Gettysburg, PA area and happy with the hospital I am at. Have been working extra hours but it’s tiring. Going back to school is something I want to do for sure but have to work my b**t off to pay some of the debt. I can’t keep up and I don’t do any nails, hair etc either

Every time you post, you say "it's tiring." With all due respect, tough. Cutting expenses really won't get you where you need to be. You have two choices - more income (which means more work) or bankruptcy. You don't have the luxury, at this point, to decline more work because you are tired.

Sign a 2 year lease then declare bankruptcy to discharge the Cc debt. The car payment is higher but it's a Camry so it's just a high interest rate??

Anonymous wrote:Op here. I am an LPN and work as a nurse in the surgery center. Extra hours are available but it also gets very tiring.

I got some of this debt after my divorce and part of it is me spending a little too much but I hv learned my lesson. Car payment is about $700/mo and I hv some medical issues too that takes away some of the cash. Can’t get rid of car since I do hv to travel to see my family.

You don't seem to be putting forth any suggestions besides whining that you're tired and that you need all of the expensive things in your life. This debt is paralyzing at your low income. How else do you think you are going to get out of this hole, a magic godmother?

Anonymous wrote:Nursing is great for your situation because usually you can do more hours.

OP, you need Dave Ramsey. Don’t do school until your debt is gone.

100% this - do not take on more debt until your current debt is paid off. Can you sell your car and get a cheaper one? Get roommates? Sell things you already own?

Anonymous wrote:Declare bankruptcy. But first find a place to live that you can afford. It’s hard to get an apartment after bankruptcy but otherwise you will breathe easier and get back in the road to financial stability. Bankruptcy will help with that and is worth it in the long run. Also not a bad idea to get a cheaper car if you can. But you might be able to swing it after the bankruptcy if that’s your only big expense.

+1 It's the only way with that much debt and limited income.

Declare bankruptcy. But first find a place to live that you can afford. It’s hard to get an apartment after bankruptcy but otherwise you will breathe easier and get back in the road to financial stability. Bankruptcy will help with that and is worth it in the long run. Also not a bad idea to get a cheaper car if you can. But you might be able to swing it after the bankruptcy if that’s your only big expense.

Older car might give more trouble if unexpected maintenance and other costs come up. Working more is the only way I think.

Op here. I had some old debt that were brought to me in divorce and then some spending habits and stuff for older kids when they are in college. I am in Gettysburg, PA area and happy with the hospital I am at. Have been working extra hours but it’s tiring. Going back to school is something I want to do for sure but have to work my b**t off to pay some of the debt. I can’t keep up and I don’t do any nails, hair etc either

It’s the car OP. Get rid of it. Get an older Prius w/ 100miles if you want good gas mileage. No way you should keep paying $700 for FOUR MORE YEARS.

Trade in for something with $300 max.

I see so many people overpaying for cars!

Sell the car ASAP if you're not upside down on the loan.

Get a much cheaper car or live without it.