All Forum Posts by: David White

Just got off the phone with one credit card company. We set up a payment plan to get caught up on my payments. I always looked at paying the highest balance 1st. Never thought to pay the highest interest rate first. I'll have to find out each interest rate and pay off accordingly. Thank you for your advice. 

I'll check his podcasts and YouTube videos out. Also, I'll see if his book is at my library. Thank you for the recommendation. 

Believe it or not I've cut my spending as much as I can. I guess everything hit the fan when they cut overtime at my job. I only really spend money towards gas in my car to get me back and forth to work. But an opportunity may present itself at my part time job to go full time. By doing that I'll be able to work overtime at that job. They're averaging at least 16 hours overtime a week. I would then quit my other job and devote all my working hours to that. But yes I can't wait for the day my debt is paid off. 

 I'm not sure if I can take another loan out due to my debt to income ratio. But I'll give it a try. 

@Devin Morgan My local REIA meets on either the 1st or 2nd Monday. Unfortunately I made the mistake of telling my 2nd job that I wouldn't mind working Saturday, Sunday, and Monday. So I'll have to talk to my supervisor and ask him to adjust my schedule for the 1st or 2nd week of the month.

@Account Closed Thank you. I'll give you a call sometime this week. 

I have credit card debt that I'm desperately trying to pay off. I have a full and part time job but, it still feels like I can't catch up. I was debating about giving a certain credit repair company (I would name it but I'm not sure if this thread will get deleted if I do) a call. They have an option of debt settlement and credit repair. My question is what are the ramifications to my credit if I go this route? Are there any other options I can go with that won't affect my credit negatively? 

@Rhondalette W. Thanks and me too lol. 

@Carlann Mckenna No I haven't but I plan to soon. I just figured I'd try the forums first. 

Me and my partner want to pick an experienced wholesalers brain over coffee or whatever you choose. We both stay in Harford County but are willing to travel to meet up. Any takers will be gladly appreciated. And I hope this doesn't get deleted lol. 

@Lisa Montana Welcome to BP neighbor.