Is anyone else in credit card debt?

like
Posting as :
works at
You are currently posting as works at

File your expense reports, OP

likefunny

Watch some Dave Ramsay on YouTube and start to rethink how you spend money. I will never take a loan again in my life. (Just paid cash for my car and cash for my house).

likesmart

I have $25k student loans from undergrad and about $10k in cc debt currently. At least there’s an end in sight

like

I took out a personal loan thru Sofi for over $16k of credit card debt in October. It helped tremendously. I'll be paid off in 3 months and my credit score is 800+. I had such anxiety but looking at the significantly lower interest rate and consolidation made it make sense. Previously, I was throwing large payments at the debt across cards and going nowhere. Then would end up living on credit since I used all my cash to pay the cards. Had to be disciplined to limit spending to debit only and be honest with what I needed to keep liquid. Good luck!

like

A1- happy to explain more. Feel free to message me with your questions.
My interest rate is 7% (I think). I didnt want to open another card. My other interest rates are north of 20%.

What are some strategies for paying off massive amount of credit card debt?

like

As I mentioned above. Just be real with what you can afford to dump into payments. I got in trouble by putting too much in and not having enough cash to live so lived off credit and it spirals.

Related Posts

like

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

I put money in VTSAX which is a mutual fund vs. an ETF. Am I dumb?

like

Dad got laid off. Drinking got worse. Attempted assault on sis and mom. Had to put up in hotel. No clue on next steps (legal and personal). Project is complete shit show and SM is not getting it. Idk man...

like

Index fund or ETF? I cant determine which is more advantageous, just want to sit and hold similar to retirement accounts (already maxed out). Looking at VFINX vs. VOO. Advice is appreciated.

like

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

like

I quit my old job but am working PT for them till they find a replacement. Apparently they could not get a refund on a flight they booked me and my manager is asking if (not me, but I can see it in Teams) I can reimburse for the ticket. It’s $800, anyone know if this is legal?

like

My in-laws are coming to visit for the holidays, does anyone have any leads on a nice (but not too pricey) hotel or Airbnb in the Downtown area?

like

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

like
like
like

Any San Francisco peeps have a good accountant who specializes in taxes for freelancers/contractors?

Travel - didn’t see it unless I missed the thread. What’s the travel % right now for SM/P and does it depend on capability team or same % across the board?

like

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

like

What credit card do you use?

like

Traveling to DC for 4 days. Looking for Marriott with parking and maybe concierge lounge functioning. Anyone use a Marriott recently they can recommend?
Open to other suggestions too. Thanks

like

Arrived at a SPG property last week and had email confirmation and booking in the app but hotel didn’t have it - manager blamed merger IT issues, anybody else experienced this recently?

Do you maintain a CSR/Amex Plat even as a traveling consultant (assuming you are using Corp amex green)?

like

Are there any roles for non technical people at companies like Mastercard and Visa?

Currently I am working at a Fintech product company.
MBA with current package of 11.5 lpa
And my skill sets include SQL, ms office, data analysis, data mining, SAS, Hive, Power BI
Mastercard

Just opened a Roth IRA account for the 1st time thru Vanguard, and realized there‘re only index fund options to invest in and no ETFs. Does the 🐟 community deem target retirement funds a good option?

More Posts

How much hike and bonus did everyone get at PWC India??? Seeing mad gratitude posts on LinkedIn

like

Hi All!
Hope everyone's doing well and good!
I just have one query! It'll be really helpful if anyone can help me out!
I recently got selected in Pwc India as an Tech. Consultant!
I'm being offered 5.5Lpa, can anyone let me know the salary breakup/in-hand salary?

like

This app is so therapeutic for me !

I enjoy the fact I can relate to people’s feeling’s and also see that I am not the only who has similar thoughts.

The one thing that stood out is the ability to share different perspectives and not necessarily know each other !

I love this app !

like

What is the percentage of shares that a first year partner must buy and for how much?

like

Ok guys. This week I challenged myself to not eat at restaurants at all. I figure I would save money and lose some weight. I mealed prepped all my meals (chicken and veggies). What I found was I saved a money, gained a pound🤷‍♂️, and had an extra hour of free time each day.
I also didn't have any Dutch bro or Starbucks drinks.
How many times do you eat out each week?

likesmart

What is the difference between fixed salary and gross salary?

like

Thinking of buying a first property with my SO. Any suggestions on area? criteria: safe and well connected. all wisdom appreciate and welcome!

like

What pays more for a designer, in-house or agency?

like

Any thoughts on meditation? Has it helped you?

likehelpful

Hi All, Can some one please refer me in Deloitte. I have the Requisition code. Deloitte Deloitte India

Thank you

like

I got into marketing because I thought it would be an opportunity to make good money in a field where I could still exercise my creativity, but I’ve found it to be extremely stifling and bogged down by bureaucracy. Does it ever get better?

like
like

Hi everyone!
Does anyone know how much is the start-up salary range out of college for forensics/criminalist in California? And where to apply?

like

Any good books to read this winter break? On leadership, digital, or any autobiographies?

like

Corporate Development M&A Comp, WLB, etc.. at a big Shop (Blackrock, Blackstone)

like

Looking for a new challenge and have heard great things about Adobe. Does anyone have feedback on the inside sales/account management roles?

like

How do you professionally address a noticeable lack of diversity on your team? More than 85% of my team is white or white passing, and of the remaining individuals none are Black, Indigenous, or AAPI.

like

How much we can expect for 11 Yoe and Sharepoint/power platform developer?

like

Hi All,

I just wanted to understand how's it like... Working at ZS.
Especially as A data science associate?

like

Who does the Director of Product Marketing typically report to (besides the CEO in tiny startups) ? VP of Marketing? I can't imagine it would be housed under Product/Engineering...

like

Additional Posts in Consulting

2yrs of post-undergrad experience at D and have offers from two FAANG companies. Worth it to stick it out for a couple more years to open up more offers down the road, or should I get out while I can?

like

When you’re sad about the rejection email you got from the company you were most interested in...

...and your team asked why you’re sad but you can’t tell them the truth.

like

Hi EY fish, what would total comp look like in excess of base salary? My understanding it would be bonus and the pension? What is the targeted bonus % for senior?

like

Does anybody have good electric standing desk recommendations? Ideally in the $200-300 range.

like

🐠, what are your thoughts on moving to Columbus OH from Chicago. SO wants to move for family reasons, but I'll have to leave consulting - not sure if I can find comparable corp strat/bizops roles.

like

In corporate work, for employees, everyday is a halloween, but only tricks, no treats

likefunny

Bain and McKinsey peeps - what's your standard travel policy for booking business class flights on domestic and intl flights

like

Just waiting for Trump to announce "Turkey took its country back!" Smh

like

FB Survey: How much longer do you expect to stay in consulting? And how long have you been here?

like

Anyone know if new status level on Delta takes mid-itinerary, if you complete the requisite segments for the new level mid-itinerary, or if it only rolls on completion of the whole itinerary?

like

Anyone know if Amazon drug screens marijuana?

like
like

UNC Kenyan Flagler vs Georgetown McDonough for MBA?

like

Why do some guys try to start a conversation in the gym shower? It's so awkward. It's the same set of manlaws as the restroom. Don't talk to me, stop looking directly at me 😂, get clean and leave.

like

Gotta love it when your flight arrives in record timing but can’t find an open gate

like

I recently had a tiff with my manager. Basically a discussion that should have taken 15 minutes extended to an hour. When I escalated this to my director, she agreed with me that it was too...

like

Deloitte's summer safety tips. It's like they don't even know what consulting is 🙄

Post Photo
likefunny

DFolks- can I reimburse 'Clear' membership fee? If yes, will it go to GAA?

like

I know it always depends, but what is a good target comp range in HCOL for someone who has 3 YOE in MBB/T2/B4 consulting out of undergrad?

Have experience in healthcare, analytics, and corporate strategy. Trying to evaluate exit opps

like

If your role is being closed/being laid off (not due to performance issues) just firm downsizing, do you tell the companies you are interviewing? How to phrase it?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal