Many People In Debt Due To Inflation |Tiktok Rants Maxed Credit Card

[@saininj]

You know we're cooked when groceries are considered a "luxury".

[@helena3631]

You can afterpay groceries

[@babyg7796]

What’s crazy is my “Afterpay” and anything similar is also in collections😭

[@MrCherryzz]

I am curious at some of these people spending habits. I seen guys that make good money become broke and I have seen people making poor money able to make ends meet. I am a guy of little means and life off of almost half of what I make. I don't make much but I watch my spending and only buy stuff I want/need when they go on sale.

[@BT-jm3ww]

Right, it is bananas.

[@MrDoubtful42069]

I bet everyone in these videos and in this comment section will be voting kamala harris this November

[@giolrz8237]

Everything is working exactly as designed

[@robgrey6183]

It worked exactly as you VOTED for.

[@Luka23567]

This is all wonderful news, and it will continue to get worse. People will either wake up to the simple truth or they will perish. It’s truly that simple.

[@shadae68]

@@robgrey6183Inflation is Happening Globally. What Are You Ppl Saying???

[@ronaldtrunk7944]

2 things to avoid to keep from going broke. Pay off car loans. Pay off credit cards

[@MrCherryzz]

And DONT buy stuff you DON'T NEED.

[@Luka23567]

@@MrCherryzz your the next Christopher Columbus?

[@davisholman8149]

Yes, credit cards are there for a reason . The problem is, unless you get a job making more money or get an extra part time job - you cannot actually pay off the balance. If you need to use a credit card to survive - what makes you think you can pay off the card when you are getting the same amount of income that obviously WASN’T ENOUGH in the first place?

[@micahgreene4573]

Your comment is insane. I have 20 credit cards. I rotate them all. I have no credit card debt. I pay them off before the due date, or sometimes as soon as they hit my account.

[@TheMsSimone]

At this point, I don’t give a damn what bills don’t get paid as long as my rent is paid so I keep a roof over my head. it is beyond ridiculous at this point and I’m putting me and my well-being first. ❤

[@seleciaa]

Wishing you the best. Roof over head and food in your belly. :)

[@lorrainei1622]

I’m the same, I’m past caring I’m about to go take out a loan idc at this point.

[@HeyGirlHey77]

The amount of people who can only resoond to everythinv with politics usually dont have any depth to them in real life. There is no politician, party or congress or anyone that is a savior. Stop putting your hope in these parties and politicians. Neither party in America is solid nor can deliver. Its all about power .

[@augustusbrown5320]

Thank You!

[@kimwarner1681]

Like my grandmother used to say, two wings of the same bird...

[@captng]

A financial literacy class in high school would have gone a long way for these folks. Without question is the most important course we could teach our youth. If you have cable and iPhone and internet at your house you have absolutely no reason to whine.

[@vincezetti7216]

The politicians caused the problem in the first place!

[@Luka23567]

If I was running this channel, any comments with politics that say “you voted for this” or “continue voting democrat” or “trump will fix this” should be immediately deleted and blocked. These imbeciles have no connection to reality, and what’s TRULY going on out there. What’s been going on for decades.

[@tlg-]

Thanks for putting these together and also thank U 🙏 for your positive energy. Much love

[@Deeafricanperspective]

I appreciate you ❤️❤️

[@adifferentperspective8448]

Student loans are what I call predatory loans

[@dcg590]

How? You chose to take out a loan, no one forced you. Pay it back.

[@18marshmello]

@@dcg590why not make college actually affordable. And the interest rates on student loans is ridiculous. I know people who have paid more than what they borrowed and STILL owe. Thts why people have a problem with student loans. Because it’s damn near impossible to pay what you actually borrowed off. In my case I borrowed $54K and have paid $37K back view how much I owe? $47,387 how the fuck are people supposed to pay off these loans with such high interest rates?! STOP just saying pay our loans back with actually taking the time to research just how jacked up The loans are. We are the ONLY 1st world country that does not have free college for non Ivy League colleges every other nation does

[@ErutaniaRose]

@@dcg590 Students are told even coerced to take them out by nearly every single adult present, while also being given little to no financial literacy lessons, and are expected to sign legal documents they do not fully understand or have the resources to understand alone without an adult or lawyer present.

[@adifferentperspective8448]

@@ErutaniaRose exactly.

[@Latham-g9q]

College is a scam. Never believe the zionist scam education

[@ghostrider_414]

"You can't budget your way out of not making enough money" EXACTLY!

[@marcelinorodriguez7628]

I use my credit card for EVERYTHING!! But I pay it off every month. I have $466 in cash back so far this year and I’m going to use that $ for Christmas gifts. Thank capital 1

[@kimwarner1681]

I do like Capital One as well but you must pay off the balance every month, never carry that over. Don't charge what you can't pay off.

[@marcelinorodriguez7628]

@@kimwarner1681 my card is on auto pay so I don’t worry abt it

[@nevergoin28]

Don’t ever owe capital 1 they will garnish your account ! Speaking from experience !

[@marcelinorodriguez7628]

@@nevergoin28 14 years with them never have and never will. I don’t spend money I don’t have

[@seleciaa]

Likewise. Credit cards offer protections that debit cards don't have. I use my credit card for all my purchases and it is a cash back one. I treat it like a debit card, and I budget every expense. Always pay in full. I let the cash back accumulate and use it to buy wanted/needed items for free or at a steep discount. The APR on my card is high, almost 30%, as is with most cards, so you should NEVER keep a balance.

[@dawna4185]

maybe we should just all buy a tent, coleman stove and live outdoors under a nice tree....but I am sure someone will find fault with that and lambaste the crap out of that plan too lol.....

[@waynecmontgomery]

You do NOT borrow money for food, you apply for public assistance.

[@toabettertomorrow7949]

And if they’re not “qualified” then what?

[@waynecmontgomery]

@@toabettertomorrow7949 If you have to borrow money to make daily expenses you qualify that is how they determine your eligibility.

[@kimwarner1681]

@@toabettertomorrow7949 About 14 years ago, my friend and her husband asked me for a ride so they could apply for food stamps. They did not have a car( it was repossessed) so I drove them down to the office to apply for this assistance. My friend Linda made 13 an hour and her husband did not have a job. The lady doing their paperwork told them they did not qualify, even in their situation. She told them you had to be practically in the street in order to get anything. I think her husband was on unemployment but I really did not know how they paid for anything with her meager pay and him being on unemployment. I helped them when I could but I could not believe how truly broke you really had to be in order to qualify for food stamps. I was able to sit with them when they were talking to the lady helping them with their paperwork. You better believe I thank God every day I was not in their situation. It really isn't as simple and cut and dry as some think it is.

[@sherlogic1256]

And when we’ve kept the poverty line so low people can’t qualify, then what?

[@turtleanton6539]

Or church

[@MKiurinuRigold]

I learnt something new from the female debt collector - thanks for the information

[@ErutaniaRose]

Everybody is cooked, especially disabled people who cannot just “opt out” of things like medicine, temperature control, and for some accessible housing (so living in a car is not an option for some.) So many things seen as luxuries for able bodied people, are things disabled people need to survive or get by. And if y’all can’t even get regular food, imagine having to buy specific foods due to allergy, health issues, etc. We got work together to get all our needs met. None of us deserve this.

[@specialtwice4975]

That's the key; "we gotta work together to get all our needs met." I can see a hypothetical future of 4 roommates and a dog living together, a big Indian family (grandparents, aunts, uncles, cousins, mom, dad, siblings) all in one big giant house, 2 couples living together to save up to buy a starter house, two single moms living together to make ends meet, to raise their kids. I think gone are the single days unless you can afford it. Family and friends are gonna have to move in together.

[@karinal75]

It’s easy to say live below your means but how can you budget your way out of inflation and wage theft? A lot of American cities are not public transportation friendly so people are dependent on cars to get to work etc. this is the end result of late stage capitalism

[@gimcrack555]

You live within your means. Every time I moved and get a job. I have a strict budget and only able to spend that cash on my needs. Never borrow money, never use a credit card. It's hard to use a credit card when I don't own one. live some where cheap and get a good job to pay for it. I also hustle on the side. Everybody should know how to hustle on the side for some extra cash. That extra cash, I usually save up for my next journey. But those extra funds can be used for a bill between paychecks if need to be. If you can't pay your bills, than you're living above your needs period. Coupons, bargain hunters, don't eat out, don't pay retail prices, cut out the unnecessaries(things you don't need to able to live).

[@meggrotte4760]

I don't know what kind of food she buys but I think if it were me.I have absolutely no processed foods of any kind With the exception of butter and cheese. No junk food of any kind no eating out. I would Would also be purchasing food that can stretch rice being just kind of thing. The only thing I'd focus on buying is personal products shampoo, Laundry dessert stuff like that. I would create a garden where you don't need a lot of space and can be maintained easily. I know it sounds kind of strange but I'd go back down to depression times. Another option is moving to another country where the cost of living is lower and teaching English.

[@seleciaa]

100% all good advice. I make my hot chocolate during winter from scratch and also buy few processed goods.

[@tallglasscocoa6105]

The free tax preparer asked what you would do with your refund. My reply All- Exclusive trip to the Supermarket. The lady gave out samples of Finland Cheese and Italian sausage. Then I went to Mexico and bought some tortilla chips and salsa. If you buy it together, the chips are free. Living the dream. Living the dream. She said you don't have to use sarcasm. We have to ask the question. Like we have enough money to go to buy crypto, stocks, and bonds, vacation spots.

[@osuk1]

Lol👺

[@luna_soleil]

"living within your means is so much better" Girl. Buying my groceries with klarna *is* me living within my means

[@Jessica.Shawnte]

You can do that?

[@helena3631]

I price match at target and go out once a month max 100$ spend it’s a lot

[@Joce123]

10:43 Food banks help a lot.peanutbutter..oatmeal.eggs..Ramen noodles. "Under the Median: Hope will show you how to feed a family of 4 (two teenage sons) $200 mo.. veggie burger for 15 cents.. Things are not going to get better so you have to really make a choice. Are you going to go to the Midwest and get in affordable place to live and a job before everyone else beats you to it?... Hundreds of people from New York and New Jersey an Illinois have already moved there.... Do some research, make a plan to discard all of your personal possessions( except for important documents) so you don't have moving costs...... Or send me a message disputing what I'm saying and keep on living a life that doesn't work for you... Watch podcasts on how to live in your car /save thousands.

[@Joce123]

This guy is too cute to not have a partner..roommates to share expenses ..

[@returningtoperfection]

About to get worse! Cackle queen is in the hot seat now. 🤣🤑🤣🤑🤣

[@thebrieffect]

Idc what anyone says you can’t budget your way out of genuinely just not making enough to survive 😢

[@toabettertomorrow7949]

@@deannaluna3490oh ok just make more money If you want to make more money, you’d have to go to learn how to do certain things which would cost money, you do know that right? Like for example, I got my CDL last year. Put me in $4,000+ in debt. That’s the largest debt I have, as I’m only 21 years old and the only debt I plan to ever really have as far as schooling or out of true necessity. Not everyone has that cash money in their hands as well as the skills or the physicality to just up and make more money. But those are just excuses to you right? Ok Ignore the rising costs for things that are totally not worth what they’re being charged right now. Ignore the fact that people literally can’t afford to eat, a place to stay in, or an education in order to keep the economy, that you think is doing so good, up and running. Ignore all of that and keep blaming them and not your greedy corporate overlords. It’s the people, not the ones at the top making all these changes.

[@seleciaa]

That is true. You have to remove unnecessary expenses one by one until your money is enough to cover your needs. If after removing all unnecessary expenses your income is still insufficient, it's ideal to seek a raise, promotion, or obtain additional employment.

[@bumblebay9559]

You took out a loan for food, apply for food stamps. Live below your means always. Car payments $500 +gas $300 +, insurance $200 & yet many say they are financially literate.

[@lorrainei1622]

People who work full time don’t even qualify for food stamps. You’re so out of touch.

[@Validheart]

Theses people are literally out here losing their minds over this inflation. Dont they know God is the provider of all things. People should pray.

[@Joce123]

God helps those who help themselves.

[@AHundred-ec5yq]

God dont exist,money does

[@Validheart]

@@AHundred-ec5yq God be with you. God exists because you exist and he loves you. You might be frustrated with him about your life right now or whatever the case may be but that doesn't stop him from loving you.

[@kimwarner1681]

@@AHundred-ec5yq Yes, God does exist but we have to help ourselves, he will give you the tools to do so, but you have to be aware and really listen, look for the signs.

[@ErutaniaRose]

I’m not very religious but the point that nature and the planet gives us what we need is so true. Money is so evil, and it controls us against our will. We need egalitarian living with support of the natural world and the food, medicine, and shelter we can create from it.

[@marcielynn4886]

My card debt is zero. I drive a 92 Land cruiser and live off the grid in my paid for home in Hawaii.🤗

[@saiga12forme88]

That girl at 2 mins didn't work so yeah... living off credit cards has consequences. Every company is hiring so if you gotta do something you don't like for 6 months or a year that's just life, better than draining your future waiting for that perfect underwater basket weaving career to open up.

[@Damita3272]

Love the blue 😊❤

[@Deeafricanperspective]

Thank you ❤️

[@marcielynn4886]

Car loan zero, mortgage zero, utilities zero........life off the grid with 12 G in savings.🤔

[@Traveling-boomer]

Another totally awesome great video by my favorite KZbinr as usual she never disappoints 🎉

[@natalierich5191]

I earn after taxes bout 500 week and its still tough 3 times rent i wouldnt be able to afford place by myself with the market rate gonna get a side hustle

[@monicavandeventer5429]

And if Kamala becomes president we are all screwed.

[@marissa._]

Why?

[@TexasMade903]

Why? So, how are you going to benefit from the corporate tax cuts. Don't say it's going to be a trickled down effect .

[@Eva_noir.]

Why!?

[@helena3631]

No matter whose been President I have been broke

[@RedPandas3111]

The fact that so many people here don’t know why we are screwed if Kamala gets elected is just one of the reasons why we are screwed.

[@clintoni856]

It's hard because parents don't teach there children to prioritize needs and wants properly and they prioritize sex and partying over their homees.

[@AnnaKoppen-y7q]

Remember when it’s time to vote

[@AnimalFarm341]

While I use credit. I have always been paranoid about it and pay it off every month (I go for rewards) My grandparents never had one and got a charge card for only gas late in life. If something broke, you lived without until you could fix or replace. People also had more skills and did what they could themselves. Heck, my dishwasher took a crapper and I washed dishes by hand for over a year before I finally got it fixed.

[@romusa9204]

That’s why women want 3 course meal to go on date then when they go home they eat ramen noodles

[@turtleanton6539]

Indeed

[@debbieframpton3857]

This comment is so lame

[@MKiurinuRigold]

Yeah there’s different paths to success

[@Luka23567]

Stealing it. Inheriting it or Marrying it.

[@amelia0287]

I’m going through the same things as these women, but for some reason I don’t feel sorry for them🤔

[@lorrainei1622]

Tip for everyone if u need to take out a loan, sign up at a credit union and try to get one from there. Their interest rates are lower and they work with you much better than regular banks.

[@MrDoubtful42069]

The fact that they're vouching for credit card debt is a huge cope

[@BT-jm3ww]

Yes and these fast loans that madates for you to pay them $6,000 when you took out $1300, PEOPLE DO NOT USE THESE SERVICES! Even if you can repay it back, that is ludacris. That is not okay. I can see paying $2000 if you take out $1300 but $6,000. That is not right.

[@Doesntmatter20]

Student debt is Crazy!!! You start your life with 100000 debt 😕😳😳😳. We Europeans do not know the concept. Americans have no chance sorry. I feel deeply sorry for them. Also the insane cost of housing and food!!! Not normal … my heart goes out to them ❤

[@chelseashurmantine8153]

I just idk. Idk about this. Idk. Might be time to look at joining the Financial Gym. This is like…… my 3000 pound life but before they decide to get help? They just pass into the stage where they can’t stand anymore? This is scary to watch this a compilation in one place…. I am scared for these people.

[@nolongeranurse3369]

Financial gym = the babysteps

[@vincezetti7216]

How much did those tatts cost her?

[@autumnislovely]

I suppose one is lucky if their mom is an avid gardener. I come home with 1-2 bags of free food every week.

[@captng]

When are we going to get a financial course in high school.. we used to teach financial literacy in school. This is the most important class what changed.

[@robgrey6183]

Now we gotta learn to worship LGBTHDTV. And learn about the 1619 Project. Nobody got time for anything else.

[@remora8829]

doing great job Dee, keep up the good work.

[@Doesntmatter20]

Deedee! Where you from!? Greetings from around Antwerp Belgium Europe ❤

[@chickenwings6172]

Your dumb for taking out a loan, your gonna pay back more then the loan was.

[@DestinyAlready]

What that girl is saying is not true. I don’t have any income and am homeless and still get contacted by debt collectors and got contacted by them up until I became homeless even with no job.

[@5602jerry]

thank you joe biden!!!

[@lorrainei1622]

The reason people have credit card debt is because of Biden’s inflated economy. Let’s be real, the average american today is worried about going to the grocery store because $100 can barely buy anything anymore! It’s disgraceful what’s happened to this country. I’m praying for everyone who’s financially struggling right now, times are hard.🙏🏾

[@sarahobah]

I had to go and calm down, that man that said, "why do people pay for basic advice?" Let's see, ever since the boomers made everything cost money, including public education, we don't have much choice. We don't know what we don't know, when I got out of high school I wasn't told to start an emergency savings, I was told to hurry up and live independently. I was asked why I haven't left the house yet. I need the boomers held responsible for how they messed things up for millennials and I need millennials to take credit for the best parts of the zoomer generation, who we've raised to ignore the worst of boomer BS.

[@helena3631]

This after they got they pensions they stopped caring about the generations after them

[@sarahobah]

@@helena3631 literally took the pensions we all paid into and now it's nearly run out and the youngest of us probably won't ever see retirement let alone a pension. It makes me so mad when people ask dumb questions that we already know the answers to.

[@nolongeranurse3369]

​@sarahobah pensions haven't existed in any real manner in literal decades ( since the 80s) you can Thank Reagan for that...try again

[@sarahobah]

@@nolongeranurse3369 what are you saying? Your point is not obvious.

[@MrDoubtful42069]

I bet they're all voting for kamala harris

[@robgrey6183]

Kakala gonna give us free everything!!

[@dcg590]

You chose to take out loans. No one feels bad for you. You live in LA, high col. Move.

[@Joce123]

Please elaborate on how you think boomers have ruined things for you..

[@osuk1]

For starters ,that brain dead president💀🤡👽

[@robgrey6183]

Gotta have somebody to blame.

[@Joce123]

It would be far more interesting to see how you have been clever and thoughtful about how to beat the impact of inflation.. Think of what happened to the guy who invented Monopoly.

[@turtle522]

So foreign to me. I know people of different generations that are doing well. Wish the best to all though. "Reported" inflation up 20.66% 1-31-2021 to 6-30-2024.

[@judebutler535]

I work, have savings, own my house outright and yet unlike this person moaning about having no money and debt, I have never had a bubble tea in my whole life….waste of money and unnecessary. Quit that shit, every penny counts.

[@dklauf]

Did you take out loans to get tattoos?

[@dannyh9290]

Ah, that explains it. Thats why there are so many women demanding expensive dinner dates from men they dont fancy (and dont admit it upfront). They broke 😂

[@marcelinorodriguez7628]

Or some of these girls don’t know how to budget/prioritize

[@philiptrevor6051]

I think the usa is going over a waterfall unfortunately even trump and more manufacturing would take like 10 years to get going. If the world stops using the us dollar as the reserve currency like the petrol dollar last month. Might be hard in the usa for a while

[@Latham-g9q]

Trump is in on destorying America. Same thing with kamalo

[@vincezetti7216]

She should eat less.

[@Pokebudzard]

We need more poor people you do not upload enough

[@kabanchan5768]

why is your HAIR BLUE!? other then that it looks nice

[@Deeafricanperspective]

Thank you 🙏

[@dcg590]

Second myb lady? You’re the problem, you are not entitled to free anything.

[@dcg590]

First Lady has a car seat, where’s her husband? Cry me a river

[@BrothaJohn-br2hd]

Think its bad now? Let Kamala Harris become president. We're done.

[@darylyost7273]

Brother John we will still be left with the same people pulling the strings! 😮

[@sj9410]

Oh god shut it

[@anthonyrodriguez2413]

Brotha John is speaking facts. He is just trying to warn all you uneducated voters!!!

[@sagba947]

Bihh couldn’t even secure the border she nothing but a hyena always laughing at nothing

[@BrothaJohn-br2hd]

@@sj9410 What has Kamala ever done in her entire life dealing with finance, business or economics?????

[@brandonfouts4074]

if boomers had social media they would of made similar videos but in there time and era, there is no golden ticket humans

[@williamhodges3941]

Funny no accountability in this video smh!

[@helena3631]

Thier is accountability, everything goes up but your pay

[@RedPandas3111]

Trump 2024 avoid total destruction

[@dcg590]

Dude, no budgets don’t make money appear. Guess what? Instead of getting into more debt, get another job while things are tight. Stop whining.

[@Nader_61]

Can't blame inflation. Most of this is due to poor financial decisions and the inability to control ones own impulses. No?! Don't think so? How much did you pay for all of those gaudy tattoos and piercings? Uh, yeah, I get that they all have "meaning." Yup, it means you can't control your own impulses. How many pair of shoes do you own? Most of all, I'd like to know why you keep saying "literally." Get a job!

[@angieharris8015]

That first video/girl, already has enough food........clearly.

[@sj9410]

And you're part of what's wrong with society, no need to make fun of women's appearance.

[@osuk1]

You don't have a very good appetite or you are vegan ah!👀

[@TheCreoleSon89]

8:03 no SIR! NO ABOSOLUTELY TF NOT. Going into credit card debt is a choice. You have children and you are on here making a video when you should have been out here working 2-3 jobs to avoid that. You chose to have those children in your 20s so that means you have to work 2-3 times as hard to take care of them. No one will convince me credit card debt is anything other than a choice. You chose to not work hard. And now you are in your current predicament. Sounds harsh I know but I can’t let him off the hook with that rational.

[@DenjiSora]

Just start a business

[@deandre22]

Life Hack: Get married 😊

[@Stealth-im7ld]

Then you'll wind up getting divorced.....

[@monicavandeventer5429]

Get married. It worked for me. Stay at home wife and mother of 2 under 2 and a cat.

[@helena3631]

Survival dating not going to work

[@debbiealcimasrules9418]

Not everyone is able to find the love of their life that stays with them that is loyal and dedicated to them in making an actual living. Both people need to work together and love each other and not everyone has a good partner that takes care them let alone find a partner that is committed and loyal which many people are left alone single without a partner and needs to handle everything on their own.

[@autumnred2288]

Stop talking Dee it is really off putting

[@sj9410]

It can be hard to understand her.

[@Jessica.Shawnte]

@@sj9410I understand her perfectly

[@Jessica.Shawnte]

This is her Channel ‼️

[@helena3631]

It’s not I love her channel

[@Joce123]

Voice coaches help overcome an accent that is difficult to hear

[@Gushhy]

I put myself in debt right in the thick of Covid because of just a few dumb ass decisions ( rent/a stupid school program I never finished and buy now pay later) to much time truly by myself and yeah I’m really sad over it because I was completely good before that. Before this. I’m literally in a hole and I have no clue how to get out this mf

[@mych5778]

STEPS TO BECOME DEBT FREE: 1. Stop blaming yourself!!!! 2. Be honest with yourself about the debt. 3. Take a deep breath. 4. Get a full accounting of EVERY SINGLE debt that you owe in dollar amount. 5. Next to the debt, write the interest rate that you're paying. 6. Did I mention, take a breath??? 7. Call each company, especially if you're in default. Try to negotiate the debt. Anytime a bank doesn't have to chase you down, they're more willing to work with you. Ask them for a "SETTLEMENT OFFER". Document who you spoke to, when and what was said. 8. CHANGE YOUR SPENDING HABITS!!!! 9. After you've negotiated your debts, make another list using your online banking or credit card statements and track your expenses 10. Cut expenses on eating out, streaming services, storage, hair, nails, get a cheaper phone plan, public transportation (even if you have a car BC depending on where you live, you can get a $100 bus pass for the month. Much cheaper than driving every single day and gassing up at $40-$50 each time multiple times per month), etc. And remember, there's ALWAYS a cheaper option. You just have to be open. Eg. Ditch Netflix/Hulu for 6 months and try Tubi/Pluto (they're FREE, for now!) 11. Give yourself about a month after you've cut those expenses. As long as nothing catastrophic such as a car accident hasn't occured, you'll see some extra money in your budget. 12. Download a debt tracker on your phone, tablet computer. 13. Input your debt. STAY CLAM!! 14. Use the extra money to pay off the smallest debt that you negotiated with the lender. DON'T FORGET TO NEGOTIATE BC IT'LL SAVE YOU $$$$!!! 13. Your lenders should have sent you your settlement offers. See what they're willing to settle for. 14. Organize them from low to high. 15. If the debts are extremely old, the may not be open accounts, thus may not generate interest but you may still have to pay "fees" on them. 16. Enroll in deferit.com $15/month This is the ONLY subscription I feel like you should have!!!! It will pay your bill for you and you pay them back +interest over 4 weeks, I believe. You have to build up to a higher borrowing amount but it's a start. 17. Remember this is grind time so you need to sacrifice!! 18. If possible, pay them back sooner than they require so you can tackle the next debt. 19. Rinse and repeat until debt free!! 20. Sometimes we may need a float loan until payday. Enroll in Earnin. They will also boost your borrowing power the more you use them. 21. Be kind to yourself. 22. Please spread this knowledge to as many people as you can. 23. The rich help the rich stay rich. Who TF is helping us?????? If we're going to make it, we HAVE to help each other. Race, politics, personal conflicts, social standing be damned. We're all people FIRST!! **Best of luck to you baby. You'll be just fine!!