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.

What kind of car is this?

Anonymous wrote:so many things.

as a nurse, you can make more money if you need/want to. pick up extra shifts. now!

look for a better paying job. my nurse daughter makes 50k working 6 days per month. plus she can pick up extra shifts. and sometimes they offer incentive pay when they are really shorthanded.

sell the car and get a cheap cash car. they pay off the cc debt. that much debt isinsane on your salary.

i would work on the debt before doing more school (unless you can get rid of the car debt.)

She is probably RN, not LPN. There is a big difference in pay and responsibilities between those two.

Sell your stuff.
Stop eating out.
Only shop at Aldi.
Go to the library for books and dvds to rent.
Go for walks/hikes instead of movies/bars.
$700/m car payment…too much. Sell the car and lease a smaller car for $300/month.
If you do things like get your nails done…stop.

You need a second job or need to pick up more shifts at work.

It’s going to be a problem for OP if she’s not loving or caring with her fiance and there is resentment. Not sure what she’s bringing to the table.

Op, if you don’t hv ego or stubborn, can you patch things with your ex-fiance. That’s your best route to pay this off and also continue to work and save money.

Yes, I do have 403(b) from the hospital but it’s not a lot so not cashing that out right now.

I am also negotiating with CC companies and trying to get a balance transfer to a new card for initial low APR.

Other than money, there were issues with my fiance and I think he got frustrated with me working and not having enough time for the relationship. He’s also 1.5 hrs away and stay with him was comfortable and he was supportive but got resentful that my debt is coming in the way of the relationship and threw it on my face a few times which was upsetting. I am very stressed now with everything I have to deal with along with rent at new place.

Sounds like you thought you could afford a new car and fancy travel because you were freeloading off your ex fiance. And now all of a sudden you have to pay your actual bills and reality is setting in.

Op, what’s your issue with the health and overweight? May be that’s coming in between you pushing yourself more. Try to lose weight if it helps.

LPNs do have travel gigs but op wants to be close to family due to personal situation. Looking at everything, OP needs to do a better job in cutting expenses and more money.

Cc debt is a b****h and they are not very eager in reducing interest unless you are going for bankruptcy or something.

Anonymous wrote:Stop spending money

This. Quit splurging on things you don't have to have to survive.

You got yourself into this massive hole because of poor decisions, spending other people's money (credit) so stop doing that.

Go to cash only, so you cannot overspend.

Pay more than your minimum amount on CC's. If your CC interest is higher than your auto interest, pay those off FIRST.

Find a cheaper place to rent or BETTER yet, SHARE a place, or "rent a room" from someone in a nicer house that needs the extra roommate income. You can rent a nice room with bathroom and kitchen and living room access in a house for around $750 a month.

Does no one else remember OPs post about how to find a rich man to date or something like that? I wish I could find it. Her lack of trying to take responsibility for her life is remarkable.

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

idk if there are travel jobs for LVN.

so many things.

as a nurse, you can make more money if you need/want to. pick up extra shifts. now!

look for a better paying job. my nurse daughter makes 50k working 6 days per month. plus she can pick up extra shifts. and sometimes they offer incentive pay when they are really shorthanded.

sell the car and get a cheap cash car. they pay off the cc debt. that much debt isinsane on your salary.

i would work on the debt before doing more school (unless you can get rid of the car debt.)

I would look into some caretaking type gigs or VNA where you can make your own hours. I have quite a few coworkers who have worked these jobs to make extra money.